[2026-02-05 07:05:40] local.INFO: OTP sent for Admin login: guna@birbals.com  
[2026-02-05 07:05:58] local.INFO: Switched to admin account {"og_admin_user_id":1} 
[2026-02-05 07:05:58] local.INFO: Switched to admin account {"admin_user_id":1} 
[2026-02-05 07:07:33] local.INFO: removeMortgageInsuranceAlerts started {"property_id":1173} 
[2026-02-05 07:07:33] local.INFO: Existing opportunity alerts deleted  
[2026-02-05 07:07:33] local.INFO: Fetched properties {"count":1} 
[2026-02-05 07:07:33] local.INFO: Processing property {"property_id":1173} 
[2026-02-05 07:07:33] local.INFO: Calculated remaining tenure {"TOTAL_TENURE_LEFT":179} 
[2026-02-05 07:07:33] local.INFO: Closest loan terms {"search_loan_term":[180,120]} 
[2026-02-05 07:07:34] local.INFO: Assigned loan officer {"assigned_to":40} 
[2026-02-05 07:07:34] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[15,10],"state_code":"AZ","mortgageTypes":"Conventional","numberOfUnit":1,"assigned_loan_officer":40}} 
[2026-02-05 07:07:34] local.INFO: calculateLTV Inputs - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:34] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:34] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-02-05 07:07:34] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15,10],"varLoanTypeCriteria":[]} 
[2026-02-05 07:07:34] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-02-05 07:07:34] local.INFO: New LenderPrice token saved  
[2026-02-05 07:07:34] local.ERROR: Token response: {"valid":"2026-02-06T07:07:34.196Z","secret":"k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/8TrCE9PyRSWbS2OZrLrG/L"}  
[2026-02-05 07:07:34] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/8TrCE9PyRSWbS2OZrLrG/L  
[2026-02-05 07:07:34] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/8TrCE9PyRSWbS2OZrLrG/L  
[2026-02-05 07:07:34] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-02-05 07:07:34] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15,10],"varLoanTypeCriteria":[]}  
[2026-02-05 07:07:34] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/8TrCE9PyRSWbS2OZrLrG/L  
[2026-02-05 07:07:36] local.DEBUG: API Response {"response":"{\"dataEventId\":\"698441b66761db0001b16c4b-56068\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[367119.0],\"termsCriteria\":[15,10],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"698441b66761db0001b16c44\",\"purchasePrice\":0.0,\"loanAmount\":367119.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":367119.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-02-05T07:07:34.409Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":15,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-02-05T07:07:34.409Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"dti\":0.31997,\"ltv\":0.05245,\"cltv\":0.05245,\"highBalanceCounty\":false,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05245,\"valueOfCollateral\":7000000.0,\"ext\":false},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"overrideRateAdjs\":{},\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"multiSearchClosingCostList\":[],\"showInterpolatedPricing\":false,\"targetInterpolatedPrices\":[],\"onlyShowTargetPrice\":false,\"onlyShowTargetRate\":false,\"showAllDayLocksForInterpolatedRates\":false,\"rates\":[],\"rateRange\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeLeGt\",\"from\":null,\"to\":null,\"null\":true},\"maxListingPerRate\":1,\"computedExpirationDate\":\"2026-03-07T07:59:59.999Z\",\"showPayeeDetail\":false,\"requestId\":\"698441b64d8a7600013bcbf8\",\"allDayLocks\":false,\"dayLocksCriteria\":[],\"encounteredUserGroups\":{\"633e5f35ce8ad00001b13c9d\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Loan Officer - Insta Mortgage\",\"startDate\":\"2026-01-08T17:12:01.459Z\",\"endDate\":null,\"userGroupId\":\"633e5f35ce8ad00001b13c9d\",\"canViewBrokerMargin\":false},\"65ba6da8ce8ad00001e4857e\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Flex User Group\",\"startDate\":\"2024-07-11T16:29:13.547Z\",\"endDate\":null,\"userGroupId\":\"65ba6da8ce8ad00001e4857e\",\"canViewBrokerMargin\":false}},\"useApplicationDateAsPricingDate\":false,\"listAllRateProducts\":false,\"fields\":[],\"externalCompensation\":{\"compPlanDollarRange\":{\"from\":null,\"to\":null},\"overrideComplan\":0.0,\"overrideComplanFlatFee\":0.0},\"useExternalCompensation\":false,\"byPassCap\":false,\"useCurrentBasePricing\":false,\"loanPurpose\":{\"values\":[\"Refinance\"],\"type\":\"com.cre8techlabs.entity.rate.LoanPurpose\"},\"loanType\":{\"values\":[\"Fixed\"],\"type\":\"com.cre8techlabs.entity.rate.LoanType\"},\"amortizationType\":{\"values\":[\"_1_1\",\"_1_6\",\"_2_1\",\"_3_1\",\"_3_5\",\"_3_6\",\"_5_1\",\"_5_2\",\"_5_5\",\"_5_6\",\"_7_1\",\"_7_2\",\"_7_6\",\"_10_1\",\"_10_6\",\"_15_6\",\"_6_6\",\"_6m_6\",\"_1m_1m\",\"_15_1\",\"_3_3\",\"_6_1\"],\"type\":\"com.cre8techlabs.entity.rate.VaraiableLoanType\"},\"mortgageTypes\":{\"values\":[\"Conventional\"],\"type\":\"com.cre8techlabs.entity.rate.MortgageType\"},\"fhaLoanTypes\":{\"values\":[\"STANDARD\"],\"type\":\"com.cre8techlabs.entity.rate.FHALoanType\"},\"multi\":true,\"fhaloanTypeCriteria\":[\"STANDARD\"]},\"disqualifyCount\":0,\"resultMap\":[{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],\"monthlyPaymentMapByRate\":{\"4.99\":2901.24,\"5.0\":2903.15,\"5.125\":2927.11,\"5.25\":2951.19,\"5.375\":2975.37,\"5.49\":2997.72,\"5.5\":2999.67,\"5.625\":3024.08,\"5.75\":3048.59,\"5.875\":3073.22,\"6.0\":3097.96,\"6.125\":3122.81,\"6.25\":3147.76,\"6.375\":3172.83,\"6.5\":3198.0,\"6.625\":3223.28,\"6.75\":3248.67,\"6.875\":3274.17,\"7.0\":3299.77,\"7.125\":3325.48,\"7.25\":3351.29,\"7.375\":3377.21},\"data\":{\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.49404,\"hti\":0.17407,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":4.99,\"monthlyPI\":-2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364229.38,\"totalInterest\":155092.58,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.24},{\"start\":180,\"end\":180,\"rate\":4.99,\"monthlyPI\":-2901.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2889.62,\"totalInterest\":12.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155104.6,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2901.24},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.325,\"rawBasePoints\":1.157,\"adjustedPoints\":0.375,\"adjustedPointsBorrowerPaid\":0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.047,\"borrowerPaid\":1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.375,\"borrowerPaidMinusCompDollarAmount\":1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09299999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09299999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0471,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.375,\"borrowerPaidAmount\":1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2901.24,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":2901.24,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1376.69625,\"qmPercentage\":0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.375,\"discountPointsNoFees\":0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.49416,\"hti\":0.17419,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.0,\"monthlyPI\":-2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364226.91,\"totalInterest\":155436.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2903.15},{\"start\":180,\"end\":180,\"rate\":5.0,\"monthlyPI\":-2904.14,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2892.09,\"totalInterest\":12.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2904.14}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155448.99,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2903.15},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.2,\"rawBasePoints\":1.115,\"adjustedPoints\":0.25,\"adjustedPointsBorrowerPaid\":0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.038,\"borrowerPaid\":917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.25,\"borrowerPaidMinusCompDollarAmount\":917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.009999999999999787,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.009999999999999787,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"apr\":5.038,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df9cbce8ad000012d6ff6\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA15\",\"displayName\":\"FNMA Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.25,\"borrowerPaidAmount\":917.8,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2903.15,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":2903.15,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":917.7975,\"qmPercentage\":0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.125,\"discountPoints\":0.25,\"discountPointsNoFees\":0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.4956,\"hti\":0.17562,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.125,\"monthlyPI\":-2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364203.05,\"totalInterest\":159749.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2927.11},{\"start\":180,\"end\":180,\"rate\":5.125,\"monthlyPI\":-2928.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2915.95,\"totalInterest\":12.45,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2928.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":159762.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2927.11},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.738,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01200000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.01200000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2927.11,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":2927.11,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.49704,\"hti\":0.17707,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.25,\"monthlyPI\":-2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364181.21,\"totalInterest\":164081.8,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2951.19},{\"start\":180,\"end\":180,\"rate\":5.25,\"monthlyPI\":-2950.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2937.79,\"totalInterest\":12.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2950.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":164094.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2951.19},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.575,\"rawBasePoints\":0.489,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010999999999999899,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010999999999999899,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2951.19,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":2951.19,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.49849,\"hti\":0.17852,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.375,\"monthlyPI\":-2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364156.11,\"totalInterest\":168435.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2975.37},{\"start\":180,\"end\":180,\"rate\":5.375,\"monthlyPI\":-2976.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2962.89,\"totalInterest\":13.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2976.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":168448.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2975.37},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.67,\"rawBasePoints\":-1.765,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.015000000000000013,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.015000000000000013,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07999999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07999999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a1\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 YEAR FIXED CONFORMING\",\"displayName\":\"15 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"15 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"15 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2975.37,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":2975.37,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.25,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.49983,\"hti\":0.17986,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.49,\"monthlyPI\":-2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364134.67,\"totalInterest\":172457.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.72},{\"start\":180,\"end\":180,\"rate\":5.49,\"monthlyPI\":-2997.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2984.33,\"totalInterest\":13.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.98}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172470.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2997.72},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.256,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.006000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.006000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2997.72,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":2997.72,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.49995,\"hti\":0.17998,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.5,\"monthlyPI\":-2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364133.39,\"totalInterest\":172807.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.67},{\"start\":180,\"end\":180,\"rate\":5.5,\"monthlyPI\":-2999.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2985.61,\"totalInterest\":13.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172821.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2999.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.283,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03300000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03300000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2999.67,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":2999.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.50141,\"hti\":0.18144,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.625,\"monthlyPI\":-3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364110.21,\"totalInterest\":177200.11,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3024.08},{\"start\":180,\"end\":180,\"rate\":5.625,\"monthlyPI\":-3022.89,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3008.79,\"totalInterest\":14.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3022.89}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":177214.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3024.08},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.5,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3024.08,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":3024.08,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.50289,\"hti\":0.18291,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.75,\"monthlyPI\":-3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364084.07,\"totalInterest\":181613.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3048.59},{\"start\":180,\"end\":180,\"rate\":5.75,\"monthlyPI\":-3049.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3034.93,\"totalInterest\":14.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3049.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":181628.08,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3048.59},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.569,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.069,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.069,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3048.59,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":3048.59,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.50436,\"hti\":0.18439,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.875,\"monthlyPI\":-3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364060.44,\"totalInterest\":186045.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.22},{\"start\":180,\"end\":180,\"rate\":5.875,\"monthlyPI\":-3073.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3058.56,\"totalInterest\":14.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.53}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":186060.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3073.22},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.4,\"rawBasePoints\":-1.592,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.975,\"adjustmentPointsBorrowerPaid\":-0.975,\"rawAdjustmentPoints\":-0.975,\"rawAdjustmentPointsBorrowerPaid\":-0.975,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09199999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09199999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10000000000000009,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5da498134cedfd000137143c\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 15yr Fixed - Bal > 225k\",\"displayName\":\"FNMA 15yr Fixed - Bal > 225k\"},\"conditionActions\":[],\"programName\":\"FNMA 15yr Fixed - Bal > 225k\",\"expired\":true,\"productName\":\"15yr Fixed - Bal > 225k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3073.22,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":3073.22,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.25,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.975,\"totalGroupAdjustmentProperties\":-0.975,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.50585,\"hti\":0.18587,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.0,\"monthlyPI\":-3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364036.81,\"totalInterest\":190498.03,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.96},{\"start\":180,\"end\":180,\"rate\":6.0,\"monthlyPI\":-3097.6,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3082.19,\"totalInterest\":15.41,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.6}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":190513.44,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3097.96},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.617,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3097.96,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":3097.96,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.50734,\"hti\":0.18736,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.125,\"monthlyPI\":-3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364013.3,\"totalInterest\":194969.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3122.81},{\"start\":180,\"end\":180,\"rate\":6.125,\"monthlyPI\":-3121.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3105.7,\"totalInterest\":15.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3121.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":194985.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3122.81},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.639,\"rawBasePoints\":-2.867,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3731ce8ad0000119bf37\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3122.81,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":3122.81,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.50884,\"hti\":0.18886,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.25,\"monthlyPI\":-3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363986.84,\"totalInterest\":199462.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3147.76},{\"start\":180,\"end\":180,\"rate\":6.25,\"monthlyPI\":-3148.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3132.16,\"totalInterest\":16.31,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3148.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":199478.51,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3147.76},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.004,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0040000000000000036,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0040000000000000036,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3147.76,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":3147.76,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.51034,\"hti\":0.19037,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.375,\"monthlyPI\":-3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363963.71,\"totalInterest\":203972.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.83},{\"start\":180,\"end\":180,\"rate\":6.375,\"monthlyPI\":-3172.05,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3155.29,\"totalInterest\":16.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.05}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":203989.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3172.83},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.318,\"rawBasePoints\":-1.46,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-1.182,\"adjustmentPointsBorrowerPaid\":-1.182,\"rawAdjustmentPoints\":-1.182,\"rawAdjustmentPointsBorrowerPaid\":-1.182,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08500000000000002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08500000000000002,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1ac4cedfd0001d74acc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 15 Year Fixed\",\"displayName\":\"15 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"15 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"15 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3172.83,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":3172.83,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.182,\"totalGroupAdjustmentProperties\":-1.182,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.51185,\"hti\":0.19188,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.5,\"monthlyPI\":-3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363938.07,\"totalInterest\":208503.93,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.0},{\"start\":180,\"end\":180,\"rate\":6.5,\"monthlyPI\":-3198.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3180.93,\"totalInterest\":17.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":208521.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3198.0},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.443,\"rawBasePoints\":-1.546,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04600000000000004,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04600000000000004,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.056999999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.056999999999999995,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3198.0,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":3198.0,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.51337,\"hti\":0.19339,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.625,\"monthlyPI\":-3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363912.73,\"totalInterest\":213054.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.28},{\"start\":180,\"end\":180,\"rate\":6.625,\"monthlyPI\":-3223.97,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3206.27,\"totalInterest\":17.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.97}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":213072.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3223.28},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.693,\"rawBasePoints\":-1.77,\"adjustedPoints\":-0.625,\"adjustedPointsBorrowerPaid\":-0.625,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-2294.49,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2294.49,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.625,\"borrowerPaidMinusCompDollarAmount\":-2294.494,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.020000000000000018,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2294.49,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2294.49,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.625,\"borrowerPaidAmount\":-2294.49,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3223.28,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":3223.28,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.625,\"finalQmClosingCosts\":-2294.49375,\"qmPercentage\":-0.625,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.625,\"discountPointsNoFees\":-0.625,\"originationCredit\":0.625,\"originationCreditNoFees\":0.625,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.51489,\"hti\":0.19492,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.75,\"monthlyPI\":-3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363888.27,\"totalInterest\":217623.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.67},{\"start\":180,\"end\":180,\"rate\":6.75,\"monthlyPI\":-3248.9,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3230.73,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.9}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":217641.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3248.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.818,\"rawBasePoints\":-1.974,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3248.67,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":3248.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.51642,\"hti\":0.19645,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.875,\"monthlyPI\":-3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363864.41,\"totalInterest\":222212.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3274.17},{\"start\":180,\"end\":180,\"rate\":6.875,\"monthlyPI\":-3273.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3254.59,\"totalInterest\":18.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3273.24}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":222230.67,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3274.17},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.068,\"rawBasePoints\":-2.157,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03200000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03200000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3274.17,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":3274.17,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.0,\"dti\":0.51796,\"hti\":0.19798,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.0,\"baseRates\":7.0,\"adjustedRates\":7.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.0,\"monthlyPI\":-3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363838.59,\"totalInterest\":226820.24,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.77},{\"start\":180,\"end\":180,\"rate\":7.0,\"monthlyPI\":-3299.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3280.41,\"totalInterest\":19.14,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":226839.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3299.77},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.193,\"rawBasePoints\":-2.358,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.0,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1080000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.1080000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"apr\":7.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3299.77,\"interestOnlyAmount\":2141.53,\"interestPlusFixedPrinciple\":3299.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.125,\"dti\":0.5195,\"hti\":0.19952,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.125,\"baseRates\":7.125,\"adjustedRates\":7.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.125,\"monthlyPI\":-3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363813.7,\"totalInterest\":231447.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3325.48},{\"start\":180,\"end\":180,\"rate\":7.125,\"monthlyPI\":-3324.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3305.3,\"totalInterest\":19.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3324.93}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":231466.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3325.48},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.443,\"rawBasePoints\":-2.549,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.125,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04899999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04899999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":7.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3325.48,\"interestOnlyAmount\":2179.77,\"interestPlusFixedPrinciple\":3325.48,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.25,\"dti\":0.52105,\"hti\":0.20107,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.25,\"baseRates\":7.25,\"adjustedRates\":7.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.25,\"monthlyPI\":-3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363786.84,\"totalInterest\":236094.07,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3351.29},{\"start\":180,\"end\":180,\"rate\":7.25,\"monthlyPI\":-3352.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3332.16,\"totalInterest\":20.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3352.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":236114.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3351.29},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.318,\"rawBasePoints\":-2.435,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.25,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"apr\":7.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3351.29,\"interestOnlyAmount\":2218.01,\"interestPlusFixedPrinciple\":3351.29,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.375,\"dti\":0.5226,\"hti\":0.20263,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.375,\"baseRates\":7.375,\"adjustedRates\":7.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.375,\"monthlyPI\":-3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363761.32,\"totalInterest\":240759.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3377.21},{\"start\":180,\"end\":180,\"rate\":7.375,\"monthlyPI\":-3378.32,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3357.68,\"totalInterest\":20.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3378.32}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":240779.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3377.21},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.568,\"rawBasePoints\":-2.628,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0029999999999998916,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0029999999999998916,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":7.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3377.21,\"interestOnlyAmount\":2256.25,\"interestPlusFixedPrinciple\":3377.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571555646,\"dayLock\":30},\"criteriaKey\":-571555646},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.49,6.5,6.625],\"monthlyPaymentMapByRate\":{\"5.25\":3938.88,\"5.375\":3961.51,\"5.5\":3984.21,\"5.625\":4006.98,\"5.75\":4029.84,\"5.875\":4052.77,\"5.99\":4073.93,\"6.0\":4075.77,\"4.99\":3892.07,\"5.0\":3893.87,\"5.125\":3916.34,\"5.49\":3982.39,\"6.125\":4098.86,\"6.25\":4122.02,\"6.375\":4145.25,\"6.49\":4166.69,\"6.5\":4168.56,\"6.625\":4191.95},\"data\":{\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.5563,\"hti\":0.23633,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.25,\"monthlyPI\":-3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363197.0,\"totalInterest\":105529.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3938.88},{\"start\":120,\"end\":120,\"rate\":5.25,\"monthlyPI\":-3939.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3922.0,\"totalInterest\":17.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3939.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":105546.88,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3938.88},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.7,\"rawBasePoints\":0.615,\"adjustedPoints\":-0.25,\"adjustedPointsBorrowerPaid\":-0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.25,\"borrowerPaidMinusCompDollarAmount\":-917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010000000000000009,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.25,\"borrowerPaidAmount\":-917.8,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3938.88,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":3938.88,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.25,\"finalQmClosingCosts\":-917.7975,\"qmPercentage\":-0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.25,\"discountPointsNoFees\":-0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.55766,\"hti\":0.23769,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.375,\"monthlyPI\":-3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363175.87,\"totalInterest\":108243.82,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3961.51},{\"start\":120,\"end\":120,\"rate\":5.375,\"monthlyPI\":-3960.79,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3943.13,\"totalInterest\":17.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3960.79}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":108261.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3961.51},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.45,\"rawBasePoints\":0.3,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3961.51,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":3961.51,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.55902,\"hti\":0.23905,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.5,\"monthlyPI\":-3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363153.6,\"totalInterest\":110967.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3984.21},{\"start\":120,\"end\":120,\"rate\":5.5,\"monthlyPI\":-3983.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3965.4,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3983.57}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110985.56,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3984.21},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.099,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3984.21,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":3984.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.56039,\"hti\":0.24041,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.625,\"monthlyPI\":-4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363130.3,\"totalInterest\":113700.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4006.98},{\"start\":120,\"end\":120,\"rate\":5.625,\"monthlyPI\":-4007.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3988.7,\"totalInterest\":18.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4007.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":113719.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4006.98},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.7,\"rawBasePoints\":-0.456,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08099999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08099999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4006.98,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":4006.98,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.56176,\"hti\":0.24179,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.75,\"monthlyPI\":-4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363108.95,\"totalInterest\":116442.01,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.84},{\"start\":120,\"end\":120,\"rate\":5.75,\"monthlyPI\":-4029.26,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4010.05,\"totalInterest\":19.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.26}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":116461.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4029.84},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.334,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08399999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08399999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4029.84,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":4029.84,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.56313,\"hti\":0.24316,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.875,\"monthlyPI\":-4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363086.51,\"totalInterest\":119193.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.77},{\"start\":120,\"end\":120,\"rate\":5.875,\"monthlyPI\":-4052.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4032.49,\"totalInterest\":19.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":119212.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4052.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.624,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.124,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.124,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4052.77,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":4052.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.5644,\"hti\":0.24443,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.99,\"monthlyPI\":-4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363065.27,\"totalInterest\":121732.4,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.93},{\"start\":120,\"end\":120,\"rate\":5.99,\"monthlyPI\":-4073.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4053.73,\"totalInterest\":20.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.96}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121752.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4073.93},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.446,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07099999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07099999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5b5\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f5a2\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 Yr Freddie Fixed\",\"displayName\":\"10 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"10 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4073.93,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":4073.93,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.56451,\"hti\":0.24454,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.0,\"monthlyPI\":-4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363062.99,\"totalInterest\":121953.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4075.77},{\"start\":120,\"end\":120,\"rate\":6.0,\"monthlyPI\":-4076.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4056.01,\"totalInterest\":20.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4076.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121973.92,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4075.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.459,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08400000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08400000000000007,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5b5\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f5a2\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 Yr Freddie Fixed\",\"displayName\":\"10 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"10 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4075.77,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":4075.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.55349,\"hti\":0.23352,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":4.99,\"monthlyPI\":-3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363242.64,\"totalInterest\":99913.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.07},{\"start\":120,\"end\":120,\"rate\":4.99,\"monthlyPI\":-3892.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3876.36,\"totalInterest\":16.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.48}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":99929.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3892.07},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.987,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.017,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0129999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0129999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0171,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3892.07,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":3892.07,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.5536,\"hti\":0.23363,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.0,\"monthlyPI\":-3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363241.81,\"totalInterest\":100128.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.87},{\"start\":120,\"end\":120,\"rate\":5.0,\"monthlyPI\":-3893.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3877.19,\"totalInterest\":16.15,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.34}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":100144.87,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3893.87},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.957,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.027,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04299999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04299999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0271,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3893.87,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":3893.87,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.55495,\"hti\":0.23498,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.125,\"monthlyPI\":-3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363219.91,\"totalInterest\":102824.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3916.34},{\"start\":120,\"end\":120,\"rate\":5.125,\"monthlyPI\":-3915.74,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3899.09,\"totalInterest\":16.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3915.74}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":102841.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3916.34},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.749,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":9.999999999998899E-4,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":9.999999999998899E-4,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3916.34,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":3916.34,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.55891,\"hti\":0.23894,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.49,\"monthlyPI\":-3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363155.22,\"totalInterest\":110749.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3982.39},{\"start\":120,\"end\":120,\"rate\":5.49,\"monthlyPI\":-3981.91,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3963.78,\"totalInterest\":18.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3981.91}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110767.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3982.39},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.072,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07199999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07199999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3982.39,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":3982.39,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.5659,\"hti\":0.24593,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.125,\"monthlyPI\":-4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363041.58,\"totalInterest\":124722.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.86},{\"start\":120,\"end\":120,\"rate\":6.125,\"monthlyPI\":-4098.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4077.42,\"totalInterest\":20.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":124743.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4098.86},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.552,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.052000000000000046,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.052000000000000046,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4098.86,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":4098.86,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.56729,\"hti\":0.24732,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.25,\"monthlyPI\":-4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363019.05,\"totalInterest\":127501.33,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4122.02},{\"start\":120,\"end\":120,\"rate\":6.25,\"monthlyPI\":-4121.3,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4099.95,\"totalInterest\":21.35,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4121.3}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":127522.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4122.02},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.839,\"rawBasePoints\":-2.913,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038000000000000034,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038000000000000034,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4122.02,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":4122.02,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.56868,\"hti\":0.24871,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.375,\"monthlyPI\":-4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362995.47,\"totalInterest\":130289.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.25},{\"start\":120,\"end\":120,\"rate\":6.375,\"monthlyPI\":-4145.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4123.53,\"totalInterest\":21.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":130311.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4145.25},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.889,\"rawBasePoints\":-3.082,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08199999999999985,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08199999999999985,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a37ebce8ad0000119d089\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4145.25,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":4145.25,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.75,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.49,\"dti\":0.56997,\"hti\":0.25,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.49,\"baseRates\":6.49,\"adjustedRates\":6.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.49,\"monthlyPI\":-4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362973.98,\"totalInterest\":132862.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4166.69},{\"start\":120,\"end\":120,\"rate\":6.49,\"monthlyPI\":-4167.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4145.02,\"totalInterest\":22.42,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4167.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":132884.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4166.69},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.139,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.014000000000000012,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.014000000000000012,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"apr\":6.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4166.69,\"interestOnlyAmount\":1985.5,\"interestPlusFixedPrinciple\":4166.69,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.57008,\"hti\":0.25011,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.5,\"monthlyPI\":-4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362972.62,\"totalInterest\":133086.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.56},{\"start\":120,\"end\":120,\"rate\":6.5,\"monthlyPI\":-4168.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4146.38,\"totalInterest\":22.46,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.84}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":133108.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4168.56},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.164,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038999999999999924,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038999999999999924,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4168.56,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":4168.56,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.57149,\"hti\":0.25151,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.625,\"monthlyPI\":-4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362950.22,\"totalInterest\":135891.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.95},{\"start\":120,\"end\":120,\"rate\":6.625,\"monthlyPI\":-4191.8,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4168.78,\"totalInterest\":23.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.8}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":135914.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4191.95},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.325,\"rawBasePoints\":-2.394,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.018999999999999906,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.018999999999999906,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4191.95,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":4191.95,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571734392,\"dayLock\":30},\"criteriaKey\":-571734392}],\"keyMap\":{\"-571734392\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571734392,\"dayLock\":30},\"-571555646\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571555646,\"dayLock\":30}},\"requestId\":\"698441b64d8a7600013bcbf8\",\"allRateProducts\":[],\"serialTime\":1}"} 
[2026-02-05 07:07:36] local.INFO: Processing API response  
[2026-02-05 07:07:36] local.INFO: Processing API response response_obj- {"response_obj":{"stdClass":{"dataEventId":"698441b66761db0001b16c4b-56068","baseSearch":{"allowModifiedDate":true,"titleVendorQuestions":[],"useExternalFees":true,"showTitleQuestion":true,"debugLevel":"WARNING","pricingOrigin":"ApiPricing","lenderAutoPrice":false,"loanAmountCriteria":[367119.0],"termsCriteria":[15,10],"termsInMonths":false,"loanPurposeCriteria":["Refinance"],"loanTypeCriteria":["Fixed"],"varLoanTypeCriteria":[],"titleVendors":[],"name":"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2","companyId":"62c32579ce8ad000010a5f06","criteria":{"id":"698441b66761db0001b16c44","purchasePrice":0.0,"loanAmount":367119.0,"rehabBudget":0.0,"totalLoanAmount":400000.0,"computeApr":true,"totalLoanAmountByMortgageType":{"Conventional":367119.0},"totalLoanAmountByFHALoanType":[],"subordinateLoanAmount":0.0,"pmiType":"None","monthlyIncome":16667.0,"monthlyDebt":5333.0,"ami":109600.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"lmiData":{"id":null,"lmiSubsidyId":null,"lmiTract":0,"borLimit":0.0,"chaseAA":false,"msa":null,"lmiType":null,"commTract":null},"dutyToServe":false,"lineAmount":0.0,"drawAmount":0.0,"constructionDrawAmount":0.0,"renovationCost":0.0,"cashoutAmount":0.0,"appraisedValue":7000000.0,"isFirstLienSame":"","monthlyReserve":0.0,"employeeLoan":"","dscr":0.0,"caseAssignementDate":"2026-02-05T07:07:34.409Z","docType":"FullDoc","closedEnd":false,"balloon":false,"rural":false,"firstTimeHomeBuyer":false,"selfEmployed":false,"nonWarrantableProject":false,"renovationLoan":false,"communitySecond":false,"numberOfCoBorrower":1,"numberOfBorrower":1,"loanYear":15,"loanPurpose":"Refinance","fhaEndorsementDate":"2026-02-05T07:07:34.409Z","loanType":"Fixed","paymentInterestType":"FullPITI","helocCriteria":{"applyLineAmount":false},"mortgageTypes":["Conventional"],"mortgageLimitMapByYear":{"2026":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0}},"highBalanceCountyMappedByYear":{"2026":false},"mortgageLimitForLatestYear":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"year":2026,"conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0},"mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"propertyUse":"PrimaryResidence","ownProperties":0,"veteranType":"Active_Or_Veteran","vaUsageType":"First_Use","ufmipFinanced":"YES","propertyValuationType":"Full_Appraisal","calculatedfeeAmount":0.0,"calculatedFeeByMortgageType":[],"calculatedFeeByFHALoanType":[],"affinityCode":"","affinityCodes":[],"specialMortgageOptions":[],"inclusive":false,"varaiableLoanTypes":[],"fico":742,"fhaLoanTypes":["STANDARD"],"vaLoanTypes":["ALL"],"cemaIndicator":false,"downPaymentAmount":0.0,"compensationType":"LenderCompPlan","studentLoanIndicator":false,"appraisalConditionAsIs":true,"totalLoanAmountByVaType":[],"normalHelocBehavior":true,"interestOnly":false,"payoffStatusIndicatorFirstLien":false,"payoffStatusIndicatorSecondLien":false,"existingFirstLien":true,"subordinate":false,"assumption":false,"assumptionRate":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"occupancyRate":0.0,"firstLienPaymentAmount":0.0,"subordinateSubType":"NONE","useCustomerTotalLoanAmount":false,"helocLtvComputationLogic":"LP","rtlproduct":false,"reversemortgage":false,"dti":0.31996999999999997665867113028070889413356781005859375,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"highBalanceCounty":false,"lenderFeeWaiver":false,"escrowWaiver":false,"hcltvDrawAmount":0.0,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"valueOfCollateral":7000000.0,"ext":false},"property":{"allowModifiedDate":true,"address":{"longitude":null,"latitude":null,"censustract":"","street":"","streetCont":"","city":"","zip":"85083","zipExt":"","state":"AZ","province":"","county":"04013","countyName":"MARICOPA","country":"US","countyFips":"04013","stateFips":"","msa":null,"defaultZipFipsComboOnMismatch":false},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1,"bedrooms":0,"bathrooms":0.0,"finishedSqFt":0.0,"lotSizeSqFt":0.0,"lotSizeAcre":0.0,"yearBuilt":0,"mls":"","totalRooms":0,"propertyDescription":"","price":0.0,"priceDate":"","hoa":0.0,"taxAssessment":0.0,"taxAssessmentYear":"","propertyTaxPercent":0.0,"propertyTaxYear":"","lastSoldPrice":0.0,"lastSoldDate":"","jsonImages":[],"links":[],"forSale":false,"features":[],"constructions":[],"facts":[]},"brokerCriteria":{"allowModifiedDate":true,"searchContext":[],"minimunCompensation":-1.5,"maxCompensation":0.5,"scriptWeight":100,"overrideExistingComplan":false,"lockGroups":[],"excludeLockGroups":[],"pointsFinancedDollarAmount":0.0,"adjCodeToExclude":[],"adjNameToExclude":[],"adjIdToExclude":[],"overrideRateAdjs":[],"rateTypes":[],"subRateTypes":[],"qmTypes":[],"view":"LenderPaid","businessSourceType":"BST_NA","feeServicerList":[],"adjustments":[],"rangeComplan":{"@class":"com.cre8techlabs.entity.range.DoubleRangeGeLe","from":null,"to":null},"sortStrategy":"APR","priceBucketList":[],"resultPerBucket":1,"executionType":"BestEfforts","useExecutionType":false,"dayLocks":30,"dayLocksList":[7,15,30,45,60,70,75,90,120],"ausList":["LP","DU"],"ausIndicator":"","closingCostRange":{"@class":"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost","from":null,"to":null,"closestToPar":false,"closestToTargetValue":null,"infinite":true},"displayConventionalRate":false},"accessCriteria":{"marketPlaceSearch":false,"dataLog":true,"userContext":{"overrided":true,"username":"Sal.Ali","groupType":"AddToCurrentUser"},"companyIds":[],"companyMap":[],"ratePeriodMap":[],"overrideNode":25,"fieldsToRemove":[]},"miCriteria":{"mode":"Reducer","miCompanyId":null,"miCompanyName":null,"amortizationType":"FullyAmmortized","loanType":"Fixed","duLpDecision":"DU_Approve_Eligible","buyDownPercent":"None","originationChannel":"Retail","loanProgram":null,"renewalType":"Constant","paymentPlan":"EZMonthly","paymentType":"Monthly","borrowerFicoScore":null,"coBorrowerFicoScore":null,"varaiableLoanType":null,"monthlyPlanRefundable":false,"singlePlanRefundable":false,"splitPlanRefundable":false,"annualPlanRefundable":false,"borrowerNonTraditionalCredit":false,"coBorrowerNonTraditionalCredit":false,"borrowerSelfEmployed":false,"coBorrowerSelfEmployed":false,"buydownUpfrontAmount":null,"needCoBorrower":false,"overrideDTI":null,"overrideDSCR":null,"initialPremiumAtClosing":"Deferred","rateQuoteAllProductIndicator":false,"rateQuoteProductComparisonIndicator":false,"miPremiumFinancedIndicator":false,"premiumRatePlanType":"Level","miRateSource":null,"miCoverage":null,"miCoverages":[],"miPremium":null,"useDefaultEstimatedMi":false,"companyToken":"Placeholder","numberOfDeferredPayments":0},"dynamicPropertiesMap":[],"rateGridIds":[],"rateProgramIds":[],"ratePeriodIds":["6557cf91ce8ad000012b25b3"],"ratePeriodIdOverride":"6557cf91ce8ad000012b25b3","investors":[],"investorIds":[],"test":false,"skipAdjustments":false,"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false,"ineligibleProduct":false,"priceIneligibleProduct":false,"rateFilter":{"condition":null,"filters":[]}},"globalGroupAdjustmentMap":[],"disqualifyAsync":false,"disqualifyFullResult":true,"showDisqualify":false,"showDisqualifyRules":false,"sortAscPoints":true,"showUnmatchCompPlan":false,"feeCriteria":[],"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"multiSearchClosingCostList":[],"showInterpolatedPricing":false,"targetInterpolatedPrices":[],"onlyShowTargetPrice":false,"onlyShowTargetRate":false,"showAllDayLocksForInterpolatedRates":false,"rates":[],"rateRange":{"@class":"com.cre8techlabs.entity.range.DoubleRangeLeGt","from":null,"to":null,"null":true},"maxListingPerRate":1,"computedExpirationDate":"2026-03-07T07:59:59.999Z","showPayeeDetail":false,"requestId":"698441b64d8a7600013bcbf8","allDayLocks":false,"dayLocksCriteria":[],"encounteredUserGroups":{"633e5f35ce8ad00001b13c9d":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Loan Officer - Insta Mortgage","startDate":"2026-01-08T17:12:01.459Z","endDate":null,"userGroupId":"633e5f35ce8ad00001b13c9d","canViewBrokerMargin":false},"65ba6da8ce8ad00001e4857e":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Flex User Group","startDate":"2024-07-11T16:29:13.547Z","endDate":null,"userGroupId":"65ba6da8ce8ad00001e4857e","canViewBrokerMargin":false}},"useApplicationDateAsPricingDate":false,"listAllRateProducts":false,"fields":[],"externalCompensation":{"compPlanDollarRange":{"from":null,"to":null},"overrideComplan":0.0,"overrideComplanFlatFee":0.0},"useExternalCompensation":false,"byPassCap":false,"useCurrentBasePricing":false,"loanPurpose":{"values":["Refinance"],"type":"com.cre8techlabs.entity.rate.LoanPurpose"},"loanType":{"values":["Fixed"],"type":"com.cre8techlabs.entity.rate.LoanType"},"amortizationType":{"values":["_1_1","_1_6","_2_1","_3_1","_3_5","_3_6","_5_1","_5_2","_5_5","_5_6","_7_1","_7_2","_7_6","_10_1","_10_6","_15_6","_6_6","_6m_6","_1m_1m","_15_1","_3_3","_6_1"],"type":"com.cre8techlabs.entity.rate.VaraiableLoanType"},"mortgageTypes":{"values":["Conventional"],"type":"com.cre8techlabs.entity.rate.MortgageType"},"fhaLoanTypes":{"values":["STANDARD"],"type":"com.cre8techlabs.entity.rate.FHALoanType"},"multi":true,"fhaloanTypeCriteria":["STANDARD"]},"disqualifyCount":0,"resultMap":[{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392}],"keyMap":{"-571734392":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571734392,"dayLock":30},"-571555646":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571555646,"dayLock":30}},"requestId":"698441b64d8a7600013bcbf8","allRateProducts":[],"serialTime":1}}} 
[2026-02-05 07:07:36] local.INFO: Processing API response resultMap- {"response_obj":[{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392}}]} 
[2026-02-05 07:07:36] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:36] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:36] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-02-05 07:07:36] local.INFO: Matched rate: 7.0  
[2026-02-05 07:07:36] local.INFO: Checking rate: 7.125 -> Converted as: 7.125  
[2026-02-05 07:07:36] local.INFO: Matched rate: 7.125  
[2026-02-05 07:07:36] local.INFO: Checking rate: 7.25 -> Converted as: 7.25  
[2026-02-05 07:07:36] local.INFO: Matched rate: 7.25  
[2026-02-05 07:07:36] local.INFO: Checking rate: 7.375 -> Converted as: 7.375  
[2026-02-05 07:07:36] local.INFO: Matched rate: 7.375  
[2026-02-05 07:07:36] local.INFO: Available keys in data: ["4.99","5.0","5.125","5.25","5.375","5.49","5.5","5.625","5.75","5.875","6.0","6.125","6.25","6.375","6.5","6.625","6.75","6.875","7.0","7.125","7.25","7.375"]  
[2026-02-05 07:07:36] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:36] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:36] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:36] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.49 -> Converted as: 6.49  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.49  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:36] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:36] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:36] local.INFO: Available keys in data: ["5.25","5.375","5.5","5.625","5.75","5.875","5.99","6.0","4.99","5.0","5.125","5.49","6.125","6.25","6.375","6.49","6.5","6.625"]  
[2026-02-05 07:07:36] local.INFO: ----------------termRates data--------------{"termRates":{"180":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"120":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}}  
[2026-02-05 07:07:36] local.INFO: Sorted rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:36] local.INFO: Initially selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:36] local.INFO: Final selected rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:36] local.INFO: Sorted rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:36] local.INFO: Initially selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:36] local.INFO: Selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:36] local.INFO: Final selected rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:36] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:36] local.INFO: ----------------result data--------------{"result":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:36] local.INFO: Fetched lender price offers {"count":4} 
[2026-02-05 07:07:36] local.INFO: Processing new offer {"rate":4.9900000000000002131628207280300557613372802734375} 
[2026-02-05 07:07:36] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":4.9900000000000002131628207280300557613372802734375} 
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:36] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-02-05 07:07:36] local.INFO: Processing new offer {"rate":5.25} 
[2026-02-05 07:07:36] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":5.25} 
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:36] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-02-05 07:07:36] local.INFO: Processing new offer {"rate":4.9900000000000002131628207280300557613372802734375} 
[2026-02-05 07:07:36] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":4.9900000000000002131628207280300557613372802734375} 
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:36] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-02-05 07:07:36] local.INFO: Processing new offer {"rate":5.25} 
[2026-02-05 07:07:36] local.INFO: Offer qualifies for alert {"current_rate":6.875,"new_rate":5.25} 
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:36] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:36] local.INFO: Creating opportunity alert {"property_id":1173} 
[2026-02-05 07:07:36] local.INFO: Processing alert notification for borrower {"alert_type":"remove_mortgage_insurance","mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:36] local.INFO: LoanOfficerOpportunityAlert: base email payload built {"alert_type":"remove_mortgage_insurance","user_id":1122,"property_id":1173,"available_keys":["address","city","zipcode","discounted_rate","current_loan_balance","current_monthly_payment","future_monthly_payment","emi_monthly_saving","annual_purchase_rate","REMAINING_TERM","interest_remaining_on_current_loan","interest_to_be_paid_for_new_loan","interest_saving","api_response","loan_type","mdata","property_id","property_name","other_info","mortgage_info","current_estimated_home_value","property_type","occupancy"],"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","discounted_rate":1.8849999999999997868371792719699442386627197265625,"current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"api_response":{"stdClass":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","discounted_rate":1.8849999999999997868371792719699442386627197265625,"current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"api_response":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"}} 
[2026-02-05 07:07:36] local.INFO: Check for Apply now out when Loan Officer exists {"alert_type":"remove_mortgage_insurance","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"} 
[2026-02-05 07:07:36] local.INFO: LoanOfficerOpportunityAlert: final payload before sending email {"alert_type":"remove_mortgage_insurance","loan_officer_email":"guna@birbals.com","user_id":1122,"property_id":1173,"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","discounted_rate":1.8849999999999997868371792719699442386627197265625,"current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"api_response":{"stdClass":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","discounted_rate":1.8849999999999997868371792719699442386627197265625,"current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"api_response":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"},"loanOfficerData":{"email":"guna@birbals.com","name":"Sal Ali","mobile":"9723323395","nmls_number":"1445294","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"}} 
[2026-02-05 07:07:36] local.INFO: Generating unsubscribe link. {"user_id":1122,"route":"unsubscribe.refinance","expire_in_minutes":60} 
[2026-02-05 07:07:36] local.INFO: Checking existing token age. {"token_age_minutes":1008,"should_generate_new_token":true} 
[2026-02-05 07:07:36] local.INFO: Generated and saved new unsubscribe token. {"new_token":"af3e9ffe-ce75-4a2b-82d6-3aa70e660467","created_at":"2026-02-05 07:07:36"} 
[2026-02-05 07:07:36] local.INFO: Signed unsubscribe URL generated. {"url":"https://new-instarefi.xlnc.info/unsubscribe/refinance-alerts?expires=1770278856&token=af3e9ffe-ce75-4a2b-82d6-3aa70e660467&user=eyJpdiI6IiszQkdHMytBNkRUbUg3V3ZCRHRGS0E9PSIsInZhbHVlIjoieWF5bG9rTGZTVnR6VUdpMzVsa0tVZz09IiwibWFjIjoiOWIyZGI3YWY0ODk2YmIyZWYzY2YxYjVjY2ZmMTk5Mjk5YWNhNWMzNGUzZTU3OTlhY2E3YmQyMTJhNTkwZWI4YyIsInRhZyI6IiJ9&signature=4460e5f121df7ebde30d7a582ee66192944d5b3b2b679373652f2b051fc2604b"} 
[2026-02-05 07:07:37] local.INFO: Updated opportunity alert email count {"date":"2026-02-05","alert_type":"remove_mortgage_insurance"} 
[2026-02-05 07:07:37] local.INFO: Processed borrower notification {"property_id":1173} 
[2026-02-05 07:07:37] local.INFO: removeMortgageInsuranceAlerts completed  
[2026-02-05 07:07:37] local.INFO: Starting takeCashOutAlerts function {"property_id":1173} 
[2026-02-05 07:07:37] local.INFO: Deleted previous take_cash_out alerts  
[2026-02-05 07:07:37] local.INFO: Executing SQL for primary residence {"query":"
            SELECT 
                P.id AS property_id, 
                P.user_id, 
                P.address, 
                P.city, 
                P.zipcode, 
                P.current_estimated_home_value, 
                P.occupancy, 
                P.property_type, 
                M.id AS mortgage_id, 
                M.mortgage_start_date, 
                M.loan_term, 
                M.original_loan_balance, 
                M.current_interest_rate, 
                M.current_loan_balance,
                (P.current_estimated_home_value * (80 / 100)) AS xx,  
                ((P.current_estimated_home_value * (80 / 100)) - M.current_loan_balance) AS potential_cash_out_value, 
                P.assigned_to
            FROM 
                `mortgage_information` AS M
            LEFT JOIN 
                `properties` AS P
            ON 
                M.property_id = P.id
            WHERE 
                P.current_estimated_home_value > 0 
                AND M.current_loan_balance > 0 
                AND M.current_loan_balance < (P.current_estimated_home_value * (80 / 100))
                AND P.occupancy LIKE '%Primary%'
                AND (
                    SELECT COUNT(*) 
                    FROM `opportunity_alerts`
                    WHERE 
                        property_id = P.id 
                        AND mortgage_id = M.id 
                        AND current_estimated_home_value = P.current_estimated_home_value
                        AND current_loan_balance = M.current_loan_balance 
                        AND occupancy LIKE '%Primary%' 
                        AND alert_type = 'take_cash_out'
                ) = 0
                AND P.deleted_at IS NULL
                AND (
                    SELECT COUNT(*) 
                    FROM `mortgage_information` AS subM 
                    WHERE subM.property_id = P.id
                ) = 1

         AND P.id = '1173' "} 
[2026-02-05 07:07:37] local.INFO: Fetched primary residence records {"count":1} 
[2026-02-05 07:07:37] local.INFO: Processing primary residence property {"property_id":1173} 
[2026-02-05 07:07:37] local.INFO: Rounded potential cash out value {"property_id":1173,"original_value":500000,"rounded_value":500000.0} 
[2026-02-05 07:07:37] local.INFO: Calculated financial data {"potential_cash_out_value":500000.0,"remaining_term":179,"current_monthly_payment":3285.0,"interest_remaining":220896.0} 
[2026-02-05 07:07:37] local.INFO: Created opportunity alert {"property_id":1173} 
[2026-02-05 07:07:37] local.INFO: Processing alert notification for borrower {"alert_type":"take_cash_out","mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:37] local.INFO: LoanOfficerOpportunityAlert: base email payload built {"alert_type":"take_cash_out","user_id":1122,"property_id":1173,"available_keys":["address","city","zipcode","potential_cash_out_value","interest_remaining_on_current_loan","mdata","property_id","property_name","other_info","mortgage_info","current_estimated_home_value","property_type","occupancy"],"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","potential_cash_out_value":500000,"interest_remaining_on_current_loan":220896,"mdata":{"stdClass":{"current_estimated_home_value":7000000,"current_loan_balance":367119,"original_loan_balance":500000,"mortgage_start_date":"2011-01","loan_term":"360","current_interest_rate":6.875,"occupancy":"Primary","property_type":"Townhome (PUD)","potential_cash_out_value":500000,"current_monthly_payment":3285,"interest_remaining_on_current_loan":220896,"current_mortgage_payment_monthly":3285}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","potential_cash_out_value":500000,"interest_remaining_on_current_loan":220896,"mdata":{"current_estimated_home_value":7000000,"current_loan_balance":367119,"original_loan_balance":500000,"mortgage_start_date":"2011-01","loan_term":"360","current_interest_rate":6.875,"occupancy":"Primary","property_type":"Townhome (PUD)","potential_cash_out_value":500000,"current_monthly_payment":3285,"interest_remaining_on_current_loan":220896,"current_mortgage_payment_monthly":3285},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"}} 
[2026-02-05 07:07:37] local.INFO: Check for Apply now out when Loan Officer exists {"alert_type":"take_cash_out","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"} 
[2026-02-05 07:07:37] local.INFO: LoanOfficerOpportunityAlert: final payload before sending email {"alert_type":"take_cash_out","loan_officer_email":"guna@birbals.com","user_id":1122,"property_id":1173,"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","potential_cash_out_value":500000,"interest_remaining_on_current_loan":220896,"mdata":{"stdClass":{"current_estimated_home_value":7000000,"current_loan_balance":367119,"original_loan_balance":500000,"mortgage_start_date":"2011-01","loan_term":"360","current_interest_rate":6.875,"occupancy":"Primary","property_type":"Townhome (PUD)","potential_cash_out_value":500000,"current_monthly_payment":3285,"interest_remaining_on_current_loan":220896,"current_mortgage_payment_monthly":3285}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","potential_cash_out_value":500000,"interest_remaining_on_current_loan":220896,"mdata":{"current_estimated_home_value":7000000,"current_loan_balance":367119,"original_loan_balance":500000,"mortgage_start_date":"2011-01","loan_term":"360","current_interest_rate":6.875,"occupancy":"Primary","property_type":"Townhome (PUD)","potential_cash_out_value":500000,"current_monthly_payment":3285,"interest_remaining_on_current_loan":220896,"current_mortgage_payment_monthly":3285},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"},"loanOfficerData":{"email":"guna@birbals.com","name":"Sal Ali","mobile":"9723323395","nmls_number":"1445294","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"}} 
[2026-02-05 07:07:37] local.INFO: Generating unsubscribe link. {"user_id":1122,"route":"unsubscribe.refinance","expire_in_minutes":60} 
[2026-02-05 07:07:37] local.INFO: Checking existing token age. {"token_age_minutes":0,"should_generate_new_token":false} 
[2026-02-05 07:07:37] local.INFO: Reusing existing unsubscribe token. {"existing_token":"af3e9ffe-ce75-4a2b-82d6-3aa70e660467"} 
[2026-02-05 07:07:37] local.INFO: Signed unsubscribe URL generated. {"url":"https://new-instarefi.xlnc.info/unsubscribe/refinance-alerts?expires=1770278857&token=af3e9ffe-ce75-4a2b-82d6-3aa70e660467&user=eyJpdiI6Ikt6QWtkLzErVkVyMksrNW1rb01HcGc9PSIsInZhbHVlIjoiMHhEcUVkYW5vdGJzclpNbEVmNVB3UT09IiwibWFjIjoiYzUxOGNjODYzMzYzNTRlZTZiYmRiOTM1ZjJhNTBhMDExMTAxOGQ3NGMzNDBkODVhNGY1MjMwZjMzYTVkNTIyMCIsInRhZyI6IiJ9&signature=d25a2c67d218eff5913f7984f39c7cf1dbdcc14d4cd9e6271270aa408a70059d"} 
[2026-02-05 07:07:38] local.INFO: Updated opportunity alert email count {"date":"2026-02-05","alert_type":"take_cash_out"} 
[2026-02-05 07:07:38] local.INFO: Executing SQL for secondary residence {"query":"
            SELECT 
            P.id AS property_id, 
            P.user_id, 
            P.address, 
            P.city, 
            P.zipcode, 
            P.current_estimated_home_value, 
            P.occupancy, 
            P.property_type, 
            M.id AS mortgage_id, 
            M.mortgage_start_date, 
            M.loan_term, 
            M.original_loan_balance, 
            M.current_interest_rate, 
            M.current_loan_balance,
            (P.current_estimated_home_value * (60 / 100)) AS xx,  
            ((P.current_estimated_home_value * (75 / 100)) - M.current_loan_balance) AS potential_cash_out_value, 
            P.assigned_to
        FROM 
            `mortgage_information` AS M
        LEFT JOIN 
            `properties` AS P
        ON 
            M.property_id = P.id
        WHERE 
            P.current_estimated_home_value > 0 
            AND M.current_loan_balance > 0 
            AND M.current_loan_balance < (P.current_estimated_home_value * (60 / 100))
            AND P.occupancy IN ('Investment Property, Land') 
            AND P.property_type IN ('Single Family Residence', 'Condominium')
            AND (
                SELECT COUNT(*) 
                FROM `opportunity_alerts`
                WHERE 
                    property_id = P.id 
                    AND mortgage_id = M.id 
                    AND current_estimated_home_value = P.current_estimated_home_value
                    AND current_loan_balance = M.current_loan_balance 
                    AND occupancy = P.occupancy 
                    AND P.property_type = P.property_type  
                    AND alert_type = 'take_cash_out'
            ) = 0
            AND P.deleted_at IS NULL
            AND (
                SELECT COUNT(*) 
                FROM `mortgage_information` AS subM 
                WHERE subM.property_id = P.id
            ) = 1

         AND P.id = '1173' "} 
[2026-02-05 07:07:38] local.INFO: Fetched secondary residence records {"count":0} 
[2026-02-05 07:07:38] local.INFO: Completed takeCashOutAlerts function  
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - Starting lowerRateSameTermAlerts process {"propertyId":0,"userId":0} 
[2026-02-05 07:07:38] local.INFO: Fetching user IDs  {"userId":0} 
[2026-02-05 07:07:38] local.INFO: Retrieved user IDs {"userIds":[33,40,41,43,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,66,69,70,71,72,197,200,201,202,203,210,222,223,224,225,226,227,228,229,230,231,232,233,234,235,236,237,238,239,240,241,242,243,244,245,246,247,248,249,250,251,252,253,254,255,256,257,258,259,260,261,262,263,264,265,266,267,268,269,270,271,272,273,274,275,276,277,278,279,280,281,282,283,284,285,286,287,288,289,290,291,292,293,294,295,296,297,298,299,300,301,302,303,304,305,306,307,308,309,310,311,312,313,314,315,316,317,318,319,320,321,322,323,324,325,326,327,328,329,330,331,332,333,334,335,336,337,338,339,340,341,342,343,344,345,346,347,348,349,350,351,352,353,354,355,356,357,358,359,360,361,362,363,364,365,366,367,368,369,370,371,372,373,374,375,376,377,378,379,380,381,382,383,384,385,386,387,388,389,390,391,392,393,394,395,396,397,398,399,400,401,402,403,404,405,406,407,408,409,410,411,412,413,414,415,416,417,418,419,420,421,422,423,424,425,426,427,428,429,430,431,432,433,434,435,436,437,438,439,440,441,442,443,444,445,446,447,448,449,450,451,452,453,454,455,456,457,458,459,460,461,462,463,464,465,466,467,468,469,470,471,472,473,474,475,476,477,478,479,480,481,482,483,484,485,486,487,488,489,490,491,492,493,494,495,496,497,498,499,500,501,502,503,504,505,506,507,508,509,510,511,512,513,514,515,516,517,518,519,520,521,522,523,524,525,526,527,528,529,530,531,532,533,534,535,536,537,538,539,540,541,542,543,544,545,546,547,548,549,550,551,552,553,554,555,556,557,558,559,560,561,562,563,564,565,566,567,568,569,570,571,572,573,574,575,576,577,578,579,580,581,582,583,584,585,586,587,588,589,590,591,592,593,594,595,596,597,598,599,600,601,602,603,604,605,606,607,608,609,610,611,612,613,614,615,616,617,618,619,620,621,622,623,624,625,626,627,628,629,630,631,632,633,634,635,636,637,638,639,640,641,642,643,644,645,646,647,648,649,650,651,652,653,654,655,656,657,658,659,660,661,662,663,664,665,666,667,668,669,670,671,672,673,674,675,676,677,678,679,680,681,682,683,684,685,686,687,688,689,690,691,692,693,694,695,696,697,698,699,700,701,702,703,704,705,706,707,708,709,710,711,712,713,714,715,716,717,718,719,720,721,722,723,724,725,726,727,728,729,730,731,732,733,734,735,736,737,738,739,740,741,742,743,744,745,746,747,748,749,750,751,752,753,754,755,756,757,758,759,760,761,762,763,764,765,766,767,768,769,770,771,772,773,774,775,776,777,778,779,780,781,782,783,784,785,786,787,788,789,790,791,792,793,794,795,796,797,798,799,800,801,802,803,804,805,806,807,808,809,810,811,812,813,814,815,816,817,818,819,820,821,822,823,824,825,826,827,828,829,830,831,832,833,834,835,836,837,838,839,840,841,842,843,844,845,846,847,848,849,850,851,852,853,854,855,856,857,858,859,860,861,862,863,864,865,866,867,868,869,870,871,872,873,874,875,876,877,878,879,880,881,882,883,884,885,886,887,888,889,890,891,892,893,894,895,896,897,898,899,900,901,902,903,904,905,906,907,908,909,910,911,912,913,914,915,916,917,918,919,920,921,922,923,924,925,926,927,928,929,930,931,932,933,934,935,936,937,938,939,940,941,942,943,944,945,946,947,948,949,950,951,952,953,954,955,956,957,958,959,960,961,962,963,964,965,966,967,968,969,970,971,972,973,974,975,976,977,978,979,980,981,982,983,984,985,986,987,988,989,990,991,992,993,994,995,996,997,998,999,1000,1001,1002,1003,1004,1005,1006,1007,1008,1009,1010,1011,1012,1013,1014,1015,1016,1017,1018,1019,1020,1021,1022,1023,1024,1025,1026,1027,1028,1029,1030,1031,1032,1033,1034,1035,1036,1037,1038,1039,1040,1041,1042,1043,1044,1045,1046,1047,1048,1049,1050,1051,1052,1053,1054,1055,1056,1057,1058,1059,1060,1061,1062,1063,1064,1065,1066,1067,1068,1069,1070,1071,1072,1073,1074,1075,1076,1077,1078,1079,1080,1081,1082,1083,1084,1085,1086,1087,1088,1089,1090,1091,1092,1093,1094,1095,1096,1097,1098,1099,1100,1101,1102,1103,1104,1105,1106,1107,1108,1109,1110,1111,1112,1113,1114,1115,1116,1117,1118,1119,1120,1121,1122,1123,1124,1125,1126,1127,1128,1129,1130,1131,1132,1133,1134,1135,1136,1137,1138,1139,1140,1141,1142,1143,1144,1145,1146,1147,1148,1149,1150,1151,1152,1153]} 
[2026-02-05 07:07:38] local.INFO: Fetching mortgages for users {"userIds":[1122],"propertyId":0} 
[2026-02-05 07:07:38] local.INFO: Filtered mortgages retrieved {"totalGroups":1} 
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - Fetched mortgages {"count":1} 
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - Processing Mortgage {"mortgage_id":791,"subordinate_loan_amount":0} 
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - Calculated remaining term {"remaining_term":179} 
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - apiPayload {"payload":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[15,10],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-02-05 07:07:38] local.INFO: LRST (Lower your payment) - Calling Lender Price API {"payload":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[15,10],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-02-05 07:07:38] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[15,10],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-02-05 07:07:38] local.INFO: calculateLTV Inputs - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:38] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:38] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-02-05 07:07:38] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15,10],"varLoanTypeCriteria":[]} 
[2026-02-05 07:07:38] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-02-05 07:07:38] local.INFO: New LenderPrice token saved  
[2026-02-05 07:07:38] local.ERROR: Token response: {"valid":"2026-02-06T07:07:38.505Z","secret":"k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/+joP7aPT33lClJBvc5abgN"}  
[2026-02-05 07:07:38] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/+joP7aPT33lClJBvc5abgN  
[2026-02-05 07:07:38] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/+joP7aPT33lClJBvc5abgN  
[2026-02-05 07:07:38] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-02-05 07:07:38] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[15,10],"varLoanTypeCriteria":[]}  
[2026-02-05 07:07:38] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/+joP7aPT33lClJBvc5abgN  
[2026-02-05 07:07:41] local.DEBUG: API Response {"response":"{\"dataEventId\":\"698441ba902b810001c216eb-1823\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[367119.0],\"termsCriteria\":[15,10],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"698441ba902b810001c216e4\",\"purchasePrice\":0.0,\"loanAmount\":367119.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":367119.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-02-05T07:07:38.708Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":15,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-02-05T07:07:38.708Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"ltv\":0.05245,\"cltv\":0.05245,\"ext\":false,\"dti\":0.31997,\"highBalanceCounty\":false,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05245,\"valueOfCollateral\":7000000.0},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"overrideRateAdjs\":{},\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"multiSearchClosingCostList\":[],\"showInterpolatedPricing\":false,\"targetInterpolatedPrices\":[],\"onlyShowTargetPrice\":false,\"onlyShowTargetRate\":false,\"showAllDayLocksForInterpolatedRates\":false,\"rates\":[],\"rateRange\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeLeGt\",\"from\":null,\"to\":null,\"null\":true},\"maxListingPerRate\":1,\"computedExpirationDate\":\"2026-03-07T07:59:59.999Z\",\"showPayeeDetail\":false,\"requestId\":\"698441ba0c4f4300016592e7\",\"allDayLocks\":false,\"dayLocksCriteria\":[],\"encounteredUserGroups\":{\"633e5f35ce8ad00001b13c9d\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Loan Officer - Insta Mortgage\",\"startDate\":\"2026-01-08T17:12:01.459Z\",\"endDate\":null,\"userGroupId\":\"633e5f35ce8ad00001b13c9d\",\"canViewBrokerMargin\":false},\"65ba6da8ce8ad00001e4857e\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Flex User Group\",\"startDate\":\"2024-07-11T16:29:13.547Z\",\"endDate\":null,\"userGroupId\":\"65ba6da8ce8ad00001e4857e\",\"canViewBrokerMargin\":false}},\"useApplicationDateAsPricingDate\":false,\"listAllRateProducts\":false,\"fields\":[],\"externalCompensation\":{\"compPlanDollarRange\":{\"from\":null,\"to\":null},\"overrideComplan\":0.0,\"overrideComplanFlatFee\":0.0},\"useExternalCompensation\":false,\"byPassCap\":false,\"useCurrentBasePricing\":false,\"loanPurpose\":{\"values\":[\"Refinance\"],\"type\":\"com.cre8techlabs.entity.rate.LoanPurpose\"},\"loanType\":{\"values\":[\"Fixed\"],\"type\":\"com.cre8techlabs.entity.rate.LoanType\"},\"amortizationType\":{\"values\":[\"_1_1\",\"_1_6\",\"_2_1\",\"_3_1\",\"_3_5\",\"_3_6\",\"_5_1\",\"_5_2\",\"_5_5\",\"_5_6\",\"_7_1\",\"_7_2\",\"_7_6\",\"_10_1\",\"_10_6\",\"_15_6\",\"_6_6\",\"_6m_6\",\"_1m_1m\",\"_15_1\",\"_3_3\",\"_6_1\"],\"type\":\"com.cre8techlabs.entity.rate.VaraiableLoanType\"},\"mortgageTypes\":{\"values\":[\"Conventional\"],\"type\":\"com.cre8techlabs.entity.rate.MortgageType\"},\"fhaLoanTypes\":{\"values\":[\"STANDARD\"],\"type\":\"com.cre8techlabs.entity.rate.FHALoanType\"},\"multi\":true,\"fhaloanTypeCriteria\":[\"STANDARD\"]},\"disqualifyCount\":0,\"resultMap\":[{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.49,6.5,6.625],\"monthlyPaymentMapByRate\":{\"5.25\":3938.88,\"5.375\":3961.51,\"5.5\":3984.21,\"5.625\":4006.98,\"5.75\":4029.84,\"5.875\":4052.77,\"5.99\":4073.93,\"6.0\":4075.77,\"4.99\":3892.07,\"5.0\":3893.87,\"5.125\":3916.34,\"5.49\":3982.39,\"6.125\":4098.86,\"6.25\":4122.02,\"6.375\":4145.25,\"6.49\":4166.69,\"6.5\":4168.56,\"6.625\":4191.95},\"data\":{\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.5563,\"hti\":0.23633,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.25,\"monthlyPI\":-3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363197.0,\"totalInterest\":105529.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3938.88},{\"start\":120,\"end\":120,\"rate\":5.25,\"monthlyPI\":-3939.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3922.0,\"totalInterest\":17.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3939.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":105546.88,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3938.88},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.7,\"rawBasePoints\":0.615,\"adjustedPoints\":-0.25,\"adjustedPointsBorrowerPaid\":-0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.25,\"borrowerPaidMinusCompDollarAmount\":-917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010000000000000009,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.25,\"borrowerPaidAmount\":-917.8,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3938.88,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":3938.88,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.25,\"finalQmClosingCosts\":-917.7975,\"qmPercentage\":-0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.25,\"discountPointsNoFees\":-0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.55766,\"hti\":0.23769,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.375,\"monthlyPI\":-3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363175.87,\"totalInterest\":108243.82,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3961.51},{\"start\":120,\"end\":120,\"rate\":5.375,\"monthlyPI\":-3960.79,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3943.13,\"totalInterest\":17.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3960.79}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":108261.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3961.51},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.45,\"rawBasePoints\":0.3,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3961.51,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":3961.51,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.55902,\"hti\":0.23905,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.5,\"monthlyPI\":-3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363153.6,\"totalInterest\":110967.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3984.21},{\"start\":120,\"end\":120,\"rate\":5.5,\"monthlyPI\":-3983.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3965.4,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3983.57}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110985.56,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3984.21},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.099,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3984.21,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":3984.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.56039,\"hti\":0.24041,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.625,\"monthlyPI\":-4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363130.3,\"totalInterest\":113700.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4006.98},{\"start\":120,\"end\":120,\"rate\":5.625,\"monthlyPI\":-4007.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3988.7,\"totalInterest\":18.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4007.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":113719.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4006.98},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.7,\"rawBasePoints\":-0.456,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08099999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08099999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4006.98,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":4006.98,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.56176,\"hti\":0.24179,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.75,\"monthlyPI\":-4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363108.95,\"totalInterest\":116442.01,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.84},{\"start\":120,\"end\":120,\"rate\":5.75,\"monthlyPI\":-4029.26,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4010.05,\"totalInterest\":19.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.26}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":116461.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4029.84},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.334,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08399999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08399999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4029.84,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":4029.84,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.56313,\"hti\":0.24316,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.875,\"monthlyPI\":-4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363086.51,\"totalInterest\":119193.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.77},{\"start\":120,\"end\":120,\"rate\":5.875,\"monthlyPI\":-4052.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4032.49,\"totalInterest\":19.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":119212.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4052.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.624,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.124,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.124,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4052.77,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":4052.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.5644,\"hti\":0.24443,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.99,\"monthlyPI\":-4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363065.27,\"totalInterest\":121732.4,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.93},{\"start\":120,\"end\":120,\"rate\":5.99,\"monthlyPI\":-4073.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4053.73,\"totalInterest\":20.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.96}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121752.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4073.93},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.446,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07099999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07099999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"expired\":false,\"publish\":true,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5b5\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f5a2\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 Yr Freddie Fixed\",\"displayName\":\"10 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"10 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4073.93,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":4073.93,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.56451,\"hti\":0.24454,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.0,\"monthlyPI\":-4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363062.99,\"totalInterest\":121953.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4075.77},{\"start\":120,\"end\":120,\"rate\":6.0,\"monthlyPI\":-4076.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4056.01,\"totalInterest\":20.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4076.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121973.92,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4075.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.459,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08400000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08400000000000007,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"expired\":false,\"publish\":true,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5b5\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f5a2\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 Yr Freddie Fixed\",\"displayName\":\"10 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"10 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4075.77,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":4075.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.55349,\"hti\":0.23352,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":4.99,\"monthlyPI\":-3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363242.64,\"totalInterest\":99913.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.07},{\"start\":120,\"end\":120,\"rate\":4.99,\"monthlyPI\":-3892.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3876.36,\"totalInterest\":16.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.48}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":99929.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3892.07},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.987,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.017,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0129999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0129999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0171,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3892.07,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":3892.07,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.5536,\"hti\":0.23363,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.0,\"monthlyPI\":-3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363241.81,\"totalInterest\":100128.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.87},{\"start\":120,\"end\":120,\"rate\":5.0,\"monthlyPI\":-3893.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3877.19,\"totalInterest\":16.15,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.34}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":100144.87,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3893.87},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.957,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.027,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04299999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04299999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0271,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3893.87,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":3893.87,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.55495,\"hti\":0.23498,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.125,\"monthlyPI\":-3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363219.91,\"totalInterest\":102824.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3916.34},{\"start\":120,\"end\":120,\"rate\":5.125,\"monthlyPI\":-3915.74,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3899.09,\"totalInterest\":16.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3915.74}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":102841.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3916.34},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.749,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":9.999999999998899E-4,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":9.999999999998899E-4,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3916.34,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":3916.34,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.55891,\"hti\":0.23894,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.49,\"monthlyPI\":-3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363155.22,\"totalInterest\":110749.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3982.39},{\"start\":120,\"end\":120,\"rate\":5.49,\"monthlyPI\":-3981.91,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3963.78,\"totalInterest\":18.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3981.91}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110767.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3982.39},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.072,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07199999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07199999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3982.39,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":3982.39,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.5659,\"hti\":0.24593,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.125,\"monthlyPI\":-4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363041.58,\"totalInterest\":124722.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.86},{\"start\":120,\"end\":120,\"rate\":6.125,\"monthlyPI\":-4098.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4077.42,\"totalInterest\":20.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":124743.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4098.86},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.552,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.052000000000000046,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.052000000000000046,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4098.86,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":4098.86,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.56729,\"hti\":0.24732,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.25,\"monthlyPI\":-4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363019.05,\"totalInterest\":127501.33,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4122.02},{\"start\":120,\"end\":120,\"rate\":6.25,\"monthlyPI\":-4121.3,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4099.95,\"totalInterest\":21.35,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4121.3}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":127522.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4122.02},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.839,\"rawBasePoints\":-2.913,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038000000000000034,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038000000000000034,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4122.02,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":4122.02,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.56868,\"hti\":0.24871,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.375,\"monthlyPI\":-4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362995.47,\"totalInterest\":130289.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.25},{\"start\":120,\"end\":120,\"rate\":6.375,\"monthlyPI\":-4145.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4123.53,\"totalInterest\":21.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":130311.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4145.25},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.889,\"rawBasePoints\":-3.082,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08199999999999985,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08199999999999985,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a37ebce8ad0000119d089\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4145.25,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":4145.25,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.75,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.49,\"dti\":0.56997,\"hti\":0.25,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.49,\"baseRates\":6.49,\"adjustedRates\":6.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.49,\"monthlyPI\":-4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362973.98,\"totalInterest\":132862.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4166.69},{\"start\":120,\"end\":120,\"rate\":6.49,\"monthlyPI\":-4167.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4145.02,\"totalInterest\":22.42,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4167.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":132884.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4166.69},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.139,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.014000000000000012,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.014000000000000012,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"apr\":6.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4166.69,\"interestOnlyAmount\":1985.5,\"interestPlusFixedPrinciple\":4166.69,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.57008,\"hti\":0.25011,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.5,\"monthlyPI\":-4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362972.62,\"totalInterest\":133086.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.56},{\"start\":120,\"end\":120,\"rate\":6.5,\"monthlyPI\":-4168.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4146.38,\"totalInterest\":22.46,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.84}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":133108.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4168.56},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.164,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038999999999999924,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038999999999999924,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4168.56,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":4168.56,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.57149,\"hti\":0.25151,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.625,\"monthlyPI\":-4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362950.22,\"totalInterest\":135891.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.95},{\"start\":120,\"end\":120,\"rate\":6.625,\"monthlyPI\":-4191.8,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4168.78,\"totalInterest\":23.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.8}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":135914.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4191.95},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.325,\"rawBasePoints\":-2.394,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.018999999999999906,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.018999999999999906,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4191.95,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":4191.95,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571734392,\"dayLock\":30},\"criteriaKey\":-571734392},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],\"monthlyPaymentMapByRate\":{\"4.99\":2901.24,\"5.0\":2903.15,\"5.125\":2927.11,\"5.25\":2951.19,\"5.375\":2975.37,\"5.49\":2997.72,\"5.5\":2999.67,\"5.625\":3024.08,\"5.75\":3048.59,\"5.875\":3073.22,\"6.0\":3097.96,\"6.125\":3122.81,\"6.25\":3147.76,\"6.375\":3172.83,\"6.5\":3198.0,\"6.625\":3223.28,\"6.75\":3248.67,\"6.875\":3274.17,\"7.0\":3299.77,\"7.125\":3325.48,\"7.25\":3351.29,\"7.375\":3377.21},\"data\":{\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.49404,\"hti\":0.17407,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":4.99,\"monthlyPI\":-2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364229.38,\"totalInterest\":155092.58,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.24},{\"start\":180,\"end\":180,\"rate\":4.99,\"monthlyPI\":-2901.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2889.62,\"totalInterest\":12.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155104.6,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2901.24},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.325,\"rawBasePoints\":1.157,\"adjustedPoints\":0.375,\"adjustedPointsBorrowerPaid\":0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.047,\"borrowerPaid\":1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.375,\"borrowerPaidMinusCompDollarAmount\":1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09299999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09299999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0471,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.375,\"borrowerPaidAmount\":1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2901.24,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":2901.24,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1376.69625,\"qmPercentage\":0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.375,\"discountPointsNoFees\":0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.49416,\"hti\":0.17419,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.0,\"monthlyPI\":-2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364226.91,\"totalInterest\":155436.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2903.15},{\"start\":180,\"end\":180,\"rate\":5.0,\"monthlyPI\":-2904.14,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2892.09,\"totalInterest\":12.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2904.14}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155448.99,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2903.15},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.2,\"rawBasePoints\":1.115,\"adjustedPoints\":0.25,\"adjustedPointsBorrowerPaid\":0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.038,\"borrowerPaid\":917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.25,\"borrowerPaidMinusCompDollarAmount\":917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.009999999999999787,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.009999999999999787,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"apr\":5.038,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df9cbce8ad000012d6ff6\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA15\",\"displayName\":\"FNMA Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.25,\"borrowerPaidAmount\":917.8,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2903.15,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":2903.15,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":917.7975,\"qmPercentage\":0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.125,\"discountPoints\":0.25,\"discountPointsNoFees\":0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.4956,\"hti\":0.17562,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.125,\"monthlyPI\":-2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364203.05,\"totalInterest\":159749.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2927.11},{\"start\":180,\"end\":180,\"rate\":5.125,\"monthlyPI\":-2928.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2915.95,\"totalInterest\":12.45,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2928.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":159762.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2927.11},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.738,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01200000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.01200000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2927.11,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":2927.11,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.49704,\"hti\":0.17707,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.25,\"monthlyPI\":-2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364181.21,\"totalInterest\":164081.8,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2951.19},{\"start\":180,\"end\":180,\"rate\":5.25,\"monthlyPI\":-2950.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2937.79,\"totalInterest\":12.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2950.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":164094.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2951.19},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.575,\"rawBasePoints\":0.489,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010999999999999899,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010999999999999899,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2951.19,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":2951.19,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.49849,\"hti\":0.17852,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.375,\"monthlyPI\":-2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364156.11,\"totalInterest\":168435.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2975.37},{\"start\":180,\"end\":180,\"rate\":5.375,\"monthlyPI\":-2976.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2962.89,\"totalInterest\":13.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2976.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":168448.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2975.37},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.67,\"rawBasePoints\":-1.765,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.015000000000000013,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.015000000000000013,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07999999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07999999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"expired\":false,\"publish\":true,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a1\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 YEAR FIXED CONFORMING\",\"displayName\":\"15 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"15 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"15 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2975.37,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":2975.37,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.25,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.49983,\"hti\":0.17986,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.49,\"monthlyPI\":-2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364134.67,\"totalInterest\":172457.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.72},{\"start\":180,\"end\":180,\"rate\":5.49,\"monthlyPI\":-2997.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2984.33,\"totalInterest\":13.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.98}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172470.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2997.72},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.256,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.006000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.006000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2997.72,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":2997.72,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.49995,\"hti\":0.17998,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.5,\"monthlyPI\":-2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364133.39,\"totalInterest\":172807.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.67},{\"start\":180,\"end\":180,\"rate\":5.5,\"monthlyPI\":-2999.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2985.61,\"totalInterest\":13.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172821.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2999.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.283,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03300000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03300000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2999.67,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":2999.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.50141,\"hti\":0.18144,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.625,\"monthlyPI\":-3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364110.21,\"totalInterest\":177200.11,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3024.08},{\"start\":180,\"end\":180,\"rate\":5.625,\"monthlyPI\":-3022.89,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3008.79,\"totalInterest\":14.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3022.89}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":177214.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3024.08},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.5,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3024.08,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":3024.08,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.50289,\"hti\":0.18291,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.75,\"monthlyPI\":-3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364084.07,\"totalInterest\":181613.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3048.59},{\"start\":180,\"end\":180,\"rate\":5.75,\"monthlyPI\":-3049.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3034.93,\"totalInterest\":14.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3049.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":181628.08,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3048.59},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.569,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.069,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.069,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3048.59,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":3048.59,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.50436,\"hti\":0.18439,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.875,\"monthlyPI\":-3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364060.44,\"totalInterest\":186045.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.22},{\"start\":180,\"end\":180,\"rate\":5.875,\"monthlyPI\":-3073.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3058.56,\"totalInterest\":14.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.53}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":186060.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3073.22},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.4,\"rawBasePoints\":-1.592,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.975,\"adjustmentPointsBorrowerPaid\":-0.975,\"rawAdjustmentPoints\":-0.975,\"rawAdjustmentPointsBorrowerPaid\":-0.975,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09199999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09199999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10000000000000009,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5da498134cedfd000137143c\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 15yr Fixed - Bal > 225k\",\"displayName\":\"FNMA 15yr Fixed - Bal > 225k\"},\"conditionActions\":[],\"programName\":\"FNMA 15yr Fixed - Bal > 225k\",\"expired\":true,\"productName\":\"15yr Fixed - Bal > 225k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3073.22,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":3073.22,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.25,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.975,\"totalGroupAdjustmentProperties\":-0.975,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.50585,\"hti\":0.18587,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.0,\"monthlyPI\":-3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364036.81,\"totalInterest\":190498.03,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.96},{\"start\":180,\"end\":180,\"rate\":6.0,\"monthlyPI\":-3097.6,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3082.19,\"totalInterest\":15.41,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.6}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":190513.44,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3097.96},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.617,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3097.96,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":3097.96,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.50734,\"hti\":0.18736,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.125,\"monthlyPI\":-3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364013.3,\"totalInterest\":194969.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3122.81},{\"start\":180,\"end\":180,\"rate\":6.125,\"monthlyPI\":-3121.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3105.7,\"totalInterest\":15.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3121.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":194985.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3122.81},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.639,\"rawBasePoints\":-2.867,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3731ce8ad0000119bf37\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3122.81,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":3122.81,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.50884,\"hti\":0.18886,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.25,\"monthlyPI\":-3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363986.84,\"totalInterest\":199462.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3147.76},{\"start\":180,\"end\":180,\"rate\":6.25,\"monthlyPI\":-3148.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3132.16,\"totalInterest\":16.31,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3148.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":199478.51,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3147.76},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.004,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0040000000000000036,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0040000000000000036,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3147.76,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":3147.76,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.51034,\"hti\":0.19037,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.375,\"monthlyPI\":-3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363963.71,\"totalInterest\":203972.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.83},{\"start\":180,\"end\":180,\"rate\":6.375,\"monthlyPI\":-3172.05,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3155.29,\"totalInterest\":16.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.05}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":203989.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3172.83},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.318,\"rawBasePoints\":-1.46,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-1.182,\"adjustmentPointsBorrowerPaid\":-1.182,\"rawAdjustmentPoints\":-1.182,\"rawAdjustmentPointsBorrowerPaid\":-1.182,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08500000000000002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08500000000000002,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1ac4cedfd0001d74acc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 15 Year Fixed\",\"displayName\":\"15 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"15 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"15 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3172.83,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":3172.83,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.182,\"totalGroupAdjustmentProperties\":-1.182,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.51185,\"hti\":0.19188,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.5,\"monthlyPI\":-3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363938.07,\"totalInterest\":208503.93,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.0},{\"start\":180,\"end\":180,\"rate\":6.5,\"monthlyPI\":-3198.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3180.93,\"totalInterest\":17.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":208521.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3198.0},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.443,\"rawBasePoints\":-1.546,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04600000000000004,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04600000000000004,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.056999999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.056999999999999995,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3198.0,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":3198.0,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.51337,\"hti\":0.19339,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.625,\"monthlyPI\":-3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363912.73,\"totalInterest\":213054.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.28},{\"start\":180,\"end\":180,\"rate\":6.625,\"monthlyPI\":-3223.97,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3206.27,\"totalInterest\":17.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.97}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":213072.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3223.28},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.693,\"rawBasePoints\":-1.77,\"adjustedPoints\":-0.625,\"adjustedPointsBorrowerPaid\":-0.625,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-2294.49,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2294.49,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.625,\"borrowerPaidMinusCompDollarAmount\":-2294.494,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.020000000000000018,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2294.49,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2294.49,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.625,\"borrowerPaidAmount\":-2294.49,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3223.28,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":3223.28,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.625,\"finalQmClosingCosts\":-2294.49375,\"qmPercentage\":-0.625,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.625,\"discountPointsNoFees\":-0.625,\"originationCredit\":0.625,\"originationCreditNoFees\":0.625,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.51489,\"hti\":0.19492,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.75,\"monthlyPI\":-3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363888.27,\"totalInterest\":217623.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.67},{\"start\":180,\"end\":180,\"rate\":6.75,\"monthlyPI\":-3248.9,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3230.73,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.9}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":217641.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3248.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.818,\"rawBasePoints\":-1.974,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3248.67,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":3248.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.51642,\"hti\":0.19645,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.875,\"monthlyPI\":-3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363864.41,\"totalInterest\":222212.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3274.17},{\"start\":180,\"end\":180,\"rate\":6.875,\"monthlyPI\":-3273.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3254.59,\"totalInterest\":18.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3273.24}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":222230.67,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3274.17},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.068,\"rawBasePoints\":-2.157,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03200000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03200000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3274.17,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":3274.17,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.0,\"dti\":0.51796,\"hti\":0.19798,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.0,\"baseRates\":7.0,\"adjustedRates\":7.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.0,\"monthlyPI\":-3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363838.59,\"totalInterest\":226820.24,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.77},{\"start\":180,\"end\":180,\"rate\":7.0,\"monthlyPI\":-3299.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3280.41,\"totalInterest\":19.14,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":226839.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3299.77},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.193,\"rawBasePoints\":-2.358,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.0,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1080000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.1080000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"apr\":7.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3299.77,\"interestOnlyAmount\":2141.53,\"interestPlusFixedPrinciple\":3299.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.125,\"dti\":0.5195,\"hti\":0.19952,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.125,\"baseRates\":7.125,\"adjustedRates\":7.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.125,\"monthlyPI\":-3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363813.7,\"totalInterest\":231447.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3325.48},{\"start\":180,\"end\":180,\"rate\":7.125,\"monthlyPI\":-3324.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3305.3,\"totalInterest\":19.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3324.93}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":231466.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3325.48},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.443,\"rawBasePoints\":-2.549,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.125,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04899999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04899999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":7.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3325.48,\"interestOnlyAmount\":2179.77,\"interestPlusFixedPrinciple\":3325.48,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.25,\"dti\":0.52105,\"hti\":0.20107,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.25,\"baseRates\":7.25,\"adjustedRates\":7.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.25,\"monthlyPI\":-3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363786.84,\"totalInterest\":236094.07,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3351.29},{\"start\":180,\"end\":180,\"rate\":7.25,\"monthlyPI\":-3352.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3332.16,\"totalInterest\":20.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3352.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":236114.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3351.29},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.318,\"rawBasePoints\":-2.435,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.25,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"apr\":7.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3351.29,\"interestOnlyAmount\":2218.01,\"interestPlusFixedPrinciple\":3351.29,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.375,\"dti\":0.5226,\"hti\":0.20263,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.375,\"baseRates\":7.375,\"adjustedRates\":7.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.375,\"monthlyPI\":-3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363761.32,\"totalInterest\":240759.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3377.21},{\"start\":180,\"end\":180,\"rate\":7.375,\"monthlyPI\":-3378.32,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3357.68,\"totalInterest\":20.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3378.32}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":240779.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3377.21},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.568,\"rawBasePoints\":-2.628,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0029999999999998916,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0029999999999998916,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":7.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3377.21,\"interestOnlyAmount\":2256.25,\"interestPlusFixedPrinciple\":3377.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571555646,\"dayLock\":30},\"criteriaKey\":-571555646}],\"keyMap\":{\"-571734392\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571734392,\"dayLock\":30},\"-571555646\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571555646,\"dayLock\":30}},\"requestId\":\"698441ba0c4f4300016592e7\",\"allRateProducts\":[],\"serialTime\":0}"} 
[2026-02-05 07:07:41] local.INFO: Processing API response  
[2026-02-05 07:07:41] local.INFO: Processing API response response_obj- {"response_obj":{"stdClass":{"dataEventId":"698441ba902b810001c216eb-1823","baseSearch":{"allowModifiedDate":true,"titleVendorQuestions":[],"useExternalFees":true,"showTitleQuestion":true,"debugLevel":"WARNING","pricingOrigin":"ApiPricing","lenderAutoPrice":false,"loanAmountCriteria":[367119.0],"termsCriteria":[15,10],"termsInMonths":false,"loanPurposeCriteria":["Refinance"],"loanTypeCriteria":["Fixed"],"varLoanTypeCriteria":[],"titleVendors":[],"name":"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2","companyId":"62c32579ce8ad000010a5f06","criteria":{"id":"698441ba902b810001c216e4","purchasePrice":0.0,"loanAmount":367119.0,"rehabBudget":0.0,"totalLoanAmount":400000.0,"computeApr":true,"totalLoanAmountByMortgageType":{"Conventional":367119.0},"totalLoanAmountByFHALoanType":[],"subordinateLoanAmount":0.0,"pmiType":"None","monthlyIncome":16667.0,"monthlyDebt":5333.0,"ami":109600.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"lmiData":{"id":null,"lmiSubsidyId":null,"lmiTract":0,"borLimit":0.0,"chaseAA":false,"msa":null,"lmiType":null,"commTract":null},"dutyToServe":false,"lineAmount":0.0,"drawAmount":0.0,"constructionDrawAmount":0.0,"renovationCost":0.0,"cashoutAmount":0.0,"appraisedValue":7000000.0,"isFirstLienSame":"","monthlyReserve":0.0,"employeeLoan":"","dscr":0.0,"caseAssignementDate":"2026-02-05T07:07:38.708Z","docType":"FullDoc","closedEnd":false,"balloon":false,"rural":false,"firstTimeHomeBuyer":false,"selfEmployed":false,"nonWarrantableProject":false,"renovationLoan":false,"communitySecond":false,"numberOfCoBorrower":1,"numberOfBorrower":1,"loanYear":15,"loanPurpose":"Refinance","fhaEndorsementDate":"2026-02-05T07:07:38.708Z","loanType":"Fixed","paymentInterestType":"FullPITI","helocCriteria":{"applyLineAmount":false},"mortgageTypes":["Conventional"],"mortgageLimitMapByYear":{"2026":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0}},"highBalanceCountyMappedByYear":{"2026":false},"mortgageLimitForLatestYear":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"year":2026,"conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0},"mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"propertyUse":"PrimaryResidence","ownProperties":0,"veteranType":"Active_Or_Veteran","vaUsageType":"First_Use","ufmipFinanced":"YES","propertyValuationType":"Full_Appraisal","calculatedfeeAmount":0.0,"calculatedFeeByMortgageType":[],"calculatedFeeByFHALoanType":[],"affinityCode":"","affinityCodes":[],"specialMortgageOptions":[],"inclusive":false,"varaiableLoanTypes":[],"fico":742,"fhaLoanTypes":["STANDARD"],"vaLoanTypes":["ALL"],"cemaIndicator":false,"downPaymentAmount":0.0,"compensationType":"LenderCompPlan","studentLoanIndicator":false,"appraisalConditionAsIs":true,"totalLoanAmountByVaType":[],"normalHelocBehavior":true,"interestOnly":false,"payoffStatusIndicatorFirstLien":false,"payoffStatusIndicatorSecondLien":false,"existingFirstLien":true,"subordinate":false,"assumption":false,"assumptionRate":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"occupancyRate":0.0,"firstLienPaymentAmount":0.0,"subordinateSubType":"NONE","useCustomerTotalLoanAmount":false,"helocLtvComputationLogic":"LP","rtlproduct":false,"reversemortgage":false,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"ext":false,"dti":0.31996999999999997665867113028070889413356781005859375,"highBalanceCounty":false,"lenderFeeWaiver":false,"escrowWaiver":false,"hcltvDrawAmount":0.0,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"valueOfCollateral":7000000.0},"property":{"allowModifiedDate":true,"address":{"longitude":null,"latitude":null,"censustract":"","street":"","streetCont":"","city":"","zip":"85083","zipExt":"","state":"AZ","province":"","county":"04013","countyName":"MARICOPA","country":"US","countyFips":"04013","stateFips":"","msa":null,"defaultZipFipsComboOnMismatch":false},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1,"bedrooms":0,"bathrooms":0.0,"finishedSqFt":0.0,"lotSizeSqFt":0.0,"lotSizeAcre":0.0,"yearBuilt":0,"mls":"","totalRooms":0,"propertyDescription":"","price":0.0,"priceDate":"","hoa":0.0,"taxAssessment":0.0,"taxAssessmentYear":"","propertyTaxPercent":0.0,"propertyTaxYear":"","lastSoldPrice":0.0,"lastSoldDate":"","jsonImages":[],"links":[],"forSale":false,"features":[],"constructions":[],"facts":[]},"brokerCriteria":{"allowModifiedDate":true,"searchContext":[],"minimunCompensation":-1.5,"maxCompensation":0.5,"scriptWeight":100,"overrideExistingComplan":false,"lockGroups":[],"excludeLockGroups":[],"pointsFinancedDollarAmount":0.0,"adjCodeToExclude":[],"adjNameToExclude":[],"adjIdToExclude":[],"overrideRateAdjs":[],"rateTypes":[],"subRateTypes":[],"qmTypes":[],"view":"LenderPaid","businessSourceType":"BST_NA","feeServicerList":[],"adjustments":[],"rangeComplan":{"@class":"com.cre8techlabs.entity.range.DoubleRangeGeLe","from":null,"to":null},"sortStrategy":"APR","priceBucketList":[],"resultPerBucket":1,"executionType":"BestEfforts","useExecutionType":false,"dayLocks":30,"dayLocksList":[7,15,30,45,60,70,75,90,120],"ausList":["LP","DU"],"ausIndicator":"","closingCostRange":{"@class":"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost","from":null,"to":null,"closestToPar":false,"closestToTargetValue":null,"infinite":true},"displayConventionalRate":false},"accessCriteria":{"marketPlaceSearch":false,"dataLog":true,"userContext":{"overrided":true,"username":"Sal.Ali","groupType":"AddToCurrentUser"},"companyIds":[],"companyMap":[],"ratePeriodMap":[],"overrideNode":25,"fieldsToRemove":[]},"miCriteria":{"mode":"Reducer","miCompanyId":null,"miCompanyName":null,"amortizationType":"FullyAmmortized","loanType":"Fixed","duLpDecision":"DU_Approve_Eligible","buyDownPercent":"None","originationChannel":"Retail","loanProgram":null,"renewalType":"Constant","paymentPlan":"EZMonthly","paymentType":"Monthly","borrowerFicoScore":null,"coBorrowerFicoScore":null,"varaiableLoanType":null,"monthlyPlanRefundable":false,"singlePlanRefundable":false,"splitPlanRefundable":false,"annualPlanRefundable":false,"borrowerNonTraditionalCredit":false,"coBorrowerNonTraditionalCredit":false,"borrowerSelfEmployed":false,"coBorrowerSelfEmployed":false,"buydownUpfrontAmount":null,"needCoBorrower":false,"overrideDTI":null,"overrideDSCR":null,"initialPremiumAtClosing":"Deferred","rateQuoteAllProductIndicator":false,"rateQuoteProductComparisonIndicator":false,"miPremiumFinancedIndicator":false,"premiumRatePlanType":"Level","miRateSource":null,"miCoverage":null,"miCoverages":[],"miPremium":null,"useDefaultEstimatedMi":false,"companyToken":"Placeholder","numberOfDeferredPayments":0},"dynamicPropertiesMap":[],"rateGridIds":[],"rateProgramIds":[],"ratePeriodIds":["6557cf91ce8ad000012b25b3"],"ratePeriodIdOverride":"6557cf91ce8ad000012b25b3","investors":[],"investorIds":[],"test":false,"skipAdjustments":false,"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false,"ineligibleProduct":false,"priceIneligibleProduct":false,"rateFilter":{"condition":null,"filters":[]}},"globalGroupAdjustmentMap":[],"disqualifyAsync":false,"disqualifyFullResult":true,"showDisqualify":false,"showDisqualifyRules":false,"sortAscPoints":true,"showUnmatchCompPlan":false,"feeCriteria":[],"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"multiSearchClosingCostList":[],"showInterpolatedPricing":false,"targetInterpolatedPrices":[],"onlyShowTargetPrice":false,"onlyShowTargetRate":false,"showAllDayLocksForInterpolatedRates":false,"rates":[],"rateRange":{"@class":"com.cre8techlabs.entity.range.DoubleRangeLeGt","from":null,"to":null,"null":true},"maxListingPerRate":1,"computedExpirationDate":"2026-03-07T07:59:59.999Z","showPayeeDetail":false,"requestId":"698441ba0c4f4300016592e7","allDayLocks":false,"dayLocksCriteria":[],"encounteredUserGroups":{"633e5f35ce8ad00001b13c9d":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Loan Officer - Insta Mortgage","startDate":"2026-01-08T17:12:01.459Z","endDate":null,"userGroupId":"633e5f35ce8ad00001b13c9d","canViewBrokerMargin":false},"65ba6da8ce8ad00001e4857e":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Flex User Group","startDate":"2024-07-11T16:29:13.547Z","endDate":null,"userGroupId":"65ba6da8ce8ad00001e4857e","canViewBrokerMargin":false}},"useApplicationDateAsPricingDate":false,"listAllRateProducts":false,"fields":[],"externalCompensation":{"compPlanDollarRange":{"from":null,"to":null},"overrideComplan":0.0,"overrideComplanFlatFee":0.0},"useExternalCompensation":false,"byPassCap":false,"useCurrentBasePricing":false,"loanPurpose":{"values":["Refinance"],"type":"com.cre8techlabs.entity.rate.LoanPurpose"},"loanType":{"values":["Fixed"],"type":"com.cre8techlabs.entity.rate.LoanType"},"amortizationType":{"values":["_1_1","_1_6","_2_1","_3_1","_3_5","_3_6","_5_1","_5_2","_5_5","_5_6","_7_1","_7_2","_7_6","_10_1","_10_6","_15_6","_6_6","_6m_6","_1m_1m","_15_1","_3_3","_6_1"],"type":"com.cre8techlabs.entity.rate.VaraiableLoanType"},"mortgageTypes":{"values":["Conventional"],"type":"com.cre8techlabs.entity.rate.MortgageType"},"fhaLoanTypes":{"values":["STANDARD"],"type":"com.cre8techlabs.entity.rate.FHALoanType"},"multi":true,"fhaloanTypeCriteria":["STANDARD"]},"disqualifyCount":0,"resultMap":[{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646}],"keyMap":{"-571734392":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571734392,"dayLock":30},"-571555646":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571555646,"dayLock":30}},"requestId":"698441ba0c4f4300016592e7","allRateProducts":[],"serialTime":0}}} 
[2026-02-05 07:07:41] local.INFO: Processing API response resultMap- {"response_obj":[{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5b5","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f5a2","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 Yr Freddie Fixed","displayName":"10 Yr Freddie Fixed"},"conditionActions":[],"programName":"10 Yr Freddie Fixed","expired":false,"productName":"10 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"expired":false,"publish":true,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646}}]} 
[2026-02-05 07:07:41] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:41] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.49 -> Converted as: 6.49  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.49  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:41] local.INFO: Available keys in data: ["5.25","5.375","5.5","5.625","5.75","5.875","5.99","6.0","4.99","5.0","5.125","5.49","6.125","6.25","6.375","6.49","6.5","6.625"]  
[2026-02-05 07:07:41] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:41] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:41] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:41] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:41] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:41] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:41] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-02-05 07:07:41] local.INFO: Matched rate: 7.0  
[2026-02-05 07:07:41] local.INFO: Checking rate: 7.125 -> Converted as: 7.125  
[2026-02-05 07:07:41] local.INFO: Matched rate: 7.125  
[2026-02-05 07:07:41] local.INFO: Checking rate: 7.25 -> Converted as: 7.25  
[2026-02-05 07:07:41] local.INFO: Matched rate: 7.25  
[2026-02-05 07:07:41] local.INFO: Checking rate: 7.375 -> Converted as: 7.375  
[2026-02-05 07:07:41] local.INFO: Matched rate: 7.375  
[2026-02-05 07:07:41] local.INFO: Available keys in data: ["4.99","5.0","5.125","5.25","5.375","5.49","5.5","5.625","5.75","5.875","6.0","6.125","6.25","6.375","6.5","6.625","6.75","6.875","7.0","7.125","7.25","7.375"]  
[2026-02-05 07:07:41] local.INFO: ----------------termRates data--------------{"termRates":{"120":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"180":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}}  
[2026-02-05 07:07:41] local.INFO: Sorted rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Freddie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Freddie Fixed","productName":"10 Yr Freddie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:41] local.INFO: Initially selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:41] local.INFO: Final selected rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:41] local.INFO: Sorted rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:41] local.INFO: Initially selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:41] local.INFO: Selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:41] local.INFO: Final selected rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:41] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:41] local.INFO: ----------------result data--------------{"result":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:41] local.INFO: LRST (Lower your payment) - Lender Price API response received for LRST {"response":{"Illuminate\\Support\\Collection":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0.0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0.0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0.0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0.0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0.0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0.0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0.0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}} 
[2026-02-05 07:07:41] local.INFO: Starting processApiResponseforLRST {"mortgage_id":791,"user_id":1122,"property_id":1173,"remaining_term":179} 
[2026-02-05 07:07:41] local.INFO: Processing API response {"api_rate":4.9900000000000002131628207280300557613372802734375,"current_interest_rate":6.875} 
[2026-02-05 07:07:41] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":3892.07000000000016370904631912708282470703125,"monthly_savings":0,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Skipping response as monthly savings do not meet the minimum threshold {"monthly_savings":0,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Processing API response {"api_rate":5.25,"current_interest_rate":6.875} 
[2026-02-05 07:07:41] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":3938.8800000000001091393642127513885498046875,"monthly_savings":0,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Skipping response as monthly savings do not meet the minimum threshold {"monthly_savings":0,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Processing API response {"api_rate":4.9900000000000002131628207280300557613372802734375,"current_interest_rate":6.875} 
[2026-02-05 07:07:41] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":2901.239999999999781721271574497222900390625,"monthly_savings":383.760000000000218278728425502777099609375,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Calculated interest savings {"current_total_interest":6153125.0,"new_total_interest":155104.60000000000582076609134674072265625,"interest_savings":5998020.40000000037252902984619140625} 
[2026-02-05 07:07:41] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":179,"alert_type":"lower_rate_same_term"} 
[2026-02-05 07:07:41] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":5998020.40000000037252902984619140625,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":155104.60000000000582076609134674072265625} 
[2026-02-05 07:07:41] local.INFO: Total Savings Calculation {"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125} 
[2026-02-05 07:07:41] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:41] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert margin- 3671.19  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert cost_or_credit- 6542.89  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert cost_or_credit- 6542.89  
[2026-02-05 07:07:41] local.INFO: Storing alert for user {"user_id":1122,"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":180} 
[2026-02-05 07:07:41] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-02-05 07:07:41] local.INFO: Stored alert for mortgage {"mortgage_id":791,"api_rate":4.9900000000000002131628207280300557613372802734375,"monthly_savings":383.760000000000218278728425502777099609375,"interest_savings":5998020.40000000037252902984619140625} 
[2026-02-05 07:07:41] local.INFO: Processing API response {"api_rate":5.25,"current_interest_rate":6.875} 
[2026-02-05 07:07:41] local.INFO: Calculated savings {"current_monthly_payment":3285.0,"new_monthly_payment":2951.19000000000005456968210637569427490234375,"monthly_savings":333.80999999999994543031789362430572509765625,"savings_threshold":100} 
[2026-02-05 07:07:41] local.INFO: Calculated interest savings {"current_total_interest":6153125.0,"new_total_interest":164094.64999999999417923390865325927734375,"interest_savings":5989030.34999999962747097015380859375} 
[2026-02-05 07:07:41] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":179,"alert_type":"lower_rate_same_term"} 
[2026-02-05 07:07:41] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":5989030.34999999962747097015380859375,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":164094.64999999999417923390865325927734375} 
[2026-02-05 07:07:41] local.INFO: Total Savings Calculation {"proposed_interest_cost":164095.19999999995343387126922607421875,"total_saving":56800.80000000004656612873077392578125} 
[2026-02-05 07:07:41] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:41] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert margin- 3671.19  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert cost_or_credit- 3789.49  
[2026-02-05 07:07:41] local.INFO:  ---------------- in store alert cost_or_credit- 3789.49  
[2026-02-05 07:07:41] local.INFO: Storing alert for user {"user_id":1122,"new_rate":5.25,"new_term":180} 
[2026-02-05 07:07:41] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-02-05 07:07:41] local.INFO: Stored alert for mortgage {"mortgage_id":791,"api_rate":5.25,"monthly_savings":333.80999999999994543031789362430572509765625,"interest_savings":5989030.34999999962747097015380859375} 
[2026-02-05 07:07:41] local.INFO: Sending notification to borrower {"mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:41] local.INFO: Processing alert notification for borrower {"alert_type":"lower_rate_same_term","mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:41] local.INFO: LoanOfficerOpportunityAlert: base email payload built {"alert_type":"lower_rate_same_term","user_id":1122,"property_id":1173,"available_keys":["address","city","zipcode","current_loan_balance","current_monthly_payment","future_monthly_payment","REMAINING_TERM","interest_remaining_on_current_loan","interest_to_be_paid_for_new_loan","interest_saving","emi_monthly_saving","annual_purchase_rate","api_response","mortgageTypes","loan_type","mdata","property_id","property_name","other_info","mortgage_info","current_estimated_home_value","property_type","occupancy"],"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"api_response":{"stdClass":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"api_response":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"}} 
[2026-02-05 07:07:41] local.INFO: Check for Apply now out when Loan Officer exists {"alert_type":"lower_rate_same_term","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"} 
[2026-02-05 07:07:41] local.INFO: LoanOfficerOpportunityAlert: final payload before sending email {"alert_type":"lower_rate_same_term","loan_officer_email":"guna@birbals.com","user_id":1122,"property_id":1173,"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"api_response":{"stdClass":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":2901.239999999999781721271574497222900390625,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":155104.60000000000582076609134674072265625,"interest_saving":65791.39999999999417923390865325927734375,"emi_monthly_saving":716.760000000000218278728425502777099609375,"annual_purchase_rate":5.09778523022799934238946661935187876224517822265625,"api_response":{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":2901.239999999999781721271574497222900390625,"proposed_mortgage_payment_lifetime":522223.19999999995343387126922607421875,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":67500,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":180,"proposed_one_time_closing_cost":1376.700000000000045474735088646411895751953125,"proposed_interest_cost":155104.19999999995343387126922607421875,"total_saving":65791.80000000004656612873077392578125,"cost_or_credit":6542.889999999999417923390865325927734375},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"},"loanOfficerData":{"email":"guna@birbals.com","name":"Sal Ali","mobile":"9723323395","nmls_number":"1445294","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"}} 
[2026-02-05 07:07:41] local.INFO: Generating unsubscribe link. {"user_id":1122,"route":"unsubscribe.refinance","expire_in_minutes":60} 
[2026-02-05 07:07:41] local.INFO: Checking existing token age. {"token_age_minutes":0,"should_generate_new_token":false} 
[2026-02-05 07:07:41] local.INFO: Reusing existing unsubscribe token. {"existing_token":"af3e9ffe-ce75-4a2b-82d6-3aa70e660467"} 
[2026-02-05 07:07:41] local.INFO: Signed unsubscribe URL generated. {"url":"https://new-instarefi.xlnc.info/unsubscribe/refinance-alerts?expires=1770278861&token=af3e9ffe-ce75-4a2b-82d6-3aa70e660467&user=eyJpdiI6ImhNejFjb3N1V0ZQZEtmQ0I1UCtuenc9PSIsInZhbHVlIjoiZlFOaFNNd0JRUlhPd1N2VHpVWVF6UT09IiwibWFjIjoiZGZmNDdiMGI3NGU0N2E0ZGM3NWZkZGRkNGU2MTIxNmEyOGVjMWQwMTIzMWY2MjMyNTdlNjhkNjQ3MGMxNGM3YyIsInRhZyI6IiJ9&signature=22a4aeb3fc0061671c3de1ec269bd35d41e96507d66c16c0f09a1001dd668845"} 
[2026-02-05 07:07:41] local.INFO: Updated opportunity alert email count {"date":"2026-02-05","alert_type":"lower_rate_same_term"} 
[2026-02-05 07:07:41] local.INFO: Completed processApiResponseforLRST {"mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:41] local.INFO: LRST (Lower your payment) - Finished processing Mortgage {"mortgage_id":791} 
[2026-02-05 07:07:41] local.INFO: LRST (Lower your payment) - Completed lowerRateSameTermAlerts process  
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Starting lowerRateNotSameTermAlerts process {"property_id":0,"user_id":0} 
[2026-02-05 07:07:41] local.INFO: Fetching user IDs  {"userId":0} 
[2026-02-05 07:07:41] local.INFO: Retrieved user IDs {"userIds":[33,40,41,43,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,66,69,70,71,72,197,200,201,202,203,210,222,223,224,225,226,227,228,229,230,231,232,233,234,235,236,237,238,239,240,241,242,243,244,245,246,247,248,249,250,251,252,253,254,255,256,257,258,259,260,261,262,263,264,265,266,267,268,269,270,271,272,273,274,275,276,277,278,279,280,281,282,283,284,285,286,287,288,289,290,291,292,293,294,295,296,297,298,299,300,301,302,303,304,305,306,307,308,309,310,311,312,313,314,315,316,317,318,319,320,321,322,323,324,325,326,327,328,329,330,331,332,333,334,335,336,337,338,339,340,341,342,343,344,345,346,347,348,349,350,351,352,353,354,355,356,357,358,359,360,361,362,363,364,365,366,367,368,369,370,371,372,373,374,375,376,377,378,379,380,381,382,383,384,385,386,387,388,389,390,391,392,393,394,395,396,397,398,399,400,401,402,403,404,405,406,407,408,409,410,411,412,413,414,415,416,417,418,419,420,421,422,423,424,425,426,427,428,429,430,431,432,433,434,435,436,437,438,439,440,441,442,443,444,445,446,447,448,449,450,451,452,453,454,455,456,457,458,459,460,461,462,463,464,465,466,467,468,469,470,471,472,473,474,475,476,477,478,479,480,481,482,483,484,485,486,487,488,489,490,491,492,493,494,495,496,497,498,499,500,501,502,503,504,505,506,507,508,509,510,511,512,513,514,515,516,517,518,519,520,521,522,523,524,525,526,527,528,529,530,531,532,533,534,535,536,537,538,539,540,541,542,543,544,545,546,547,548,549,550,551,552,553,554,555,556,557,558,559,560,561,562,563,564,565,566,567,568,569,570,571,572,573,574,575,576,577,578,579,580,581,582,583,584,585,586,587,588,589,590,591,592,593,594,595,596,597,598,599,600,601,602,603,604,605,606,607,608,609,610,611,612,613,614,615,616,617,618,619,620,621,622,623,624,625,626,627,628,629,630,631,632,633,634,635,636,637,638,639,640,641,642,643,644,645,646,647,648,649,650,651,652,653,654,655,656,657,658,659,660,661,662,663,664,665,666,667,668,669,670,671,672,673,674,675,676,677,678,679,680,681,682,683,684,685,686,687,688,689,690,691,692,693,694,695,696,697,698,699,700,701,702,703,704,705,706,707,708,709,710,711,712,713,714,715,716,717,718,719,720,721,722,723,724,725,726,727,728,729,730,731,732,733,734,735,736,737,738,739,740,741,742,743,744,745,746,747,748,749,750,751,752,753,754,755,756,757,758,759,760,761,762,763,764,765,766,767,768,769,770,771,772,773,774,775,776,777,778,779,780,781,782,783,784,785,786,787,788,789,790,791,792,793,794,795,796,797,798,799,800,801,802,803,804,805,806,807,808,809,810,811,812,813,814,815,816,817,818,819,820,821,822,823,824,825,826,827,828,829,830,831,832,833,834,835,836,837,838,839,840,841,842,843,844,845,846,847,848,849,850,851,852,853,854,855,856,857,858,859,860,861,862,863,864,865,866,867,868,869,870,871,872,873,874,875,876,877,878,879,880,881,882,883,884,885,886,887,888,889,890,891,892,893,894,895,896,897,898,899,900,901,902,903,904,905,906,907,908,909,910,911,912,913,914,915,916,917,918,919,920,921,922,923,924,925,926,927,928,929,930,931,932,933,934,935,936,937,938,939,940,941,942,943,944,945,946,947,948,949,950,951,952,953,954,955,956,957,958,959,960,961,962,963,964,965,966,967,968,969,970,971,972,973,974,975,976,977,978,979,980,981,982,983,984,985,986,987,988,989,990,991,992,993,994,995,996,997,998,999,1000,1001,1002,1003,1004,1005,1006,1007,1008,1009,1010,1011,1012,1013,1014,1015,1016,1017,1018,1019,1020,1021,1022,1023,1024,1025,1026,1027,1028,1029,1030,1031,1032,1033,1034,1035,1036,1037,1038,1039,1040,1041,1042,1043,1044,1045,1046,1047,1048,1049,1050,1051,1052,1053,1054,1055,1056,1057,1058,1059,1060,1061,1062,1063,1064,1065,1066,1067,1068,1069,1070,1071,1072,1073,1074,1075,1076,1077,1078,1079,1080,1081,1082,1083,1084,1085,1086,1087,1088,1089,1090,1091,1092,1093,1094,1095,1096,1097,1098,1099,1100,1101,1102,1103,1104,1105,1106,1107,1108,1109,1110,1111,1112,1113,1114,1115,1116,1117,1118,1119,1120,1121,1122,1123,1124,1125,1126,1127,1128,1129,1130,1131,1132,1133,1134,1135,1136,1137,1138,1139,1140,1141,1142,1143,1144,1145,1146,1147,1148,1149,1150,1151,1152,1153]} 
[2026-02-05 07:07:41] local.INFO: Fetching mortgages for users {"userIds":[1122],"propertyId":0} 
[2026-02-05 07:07:41] local.INFO: Filtered mortgages retrieved {"totalGroups":1} 
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Processing Mortgage {"mortgage_id":791,"user_id":1122,"property_id":1173} 
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Calculated loan balances {"current_loan_balance":367119.0,"original_loan_balance_80_prct":400000.0} 
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Eligible for lower interest cost analysis {"current_loan_balance":367119.0,"original_loan_balance_80_prct":400000.0} 
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Determined loan terms for API request {"terms_criteria":[]} 
[2026-02-05 07:07:41] local.INFO: LRNST (Lower interest cost) - Calling LenderPrice API {"api_request":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-02-05 07:07:41] local.INFO: Preparing request for LenderPrice API {"params":{"creditScore":742.0,"propertyType":"Townhome (PUD)","occupancyType":"Primary","zip":"85083","homeValue":7000000.0,"currentLoanBalance":367119.0,"current_rate":6.875,"terms":[],"state_code":"AZ","mortgageTypes":"FHA","numberOfUnit":null,"assigned_loan_officer":40,"subordinateLoanAmount":0}} 
[2026-02-05 07:07:41] local.INFO: calculateLTV Inputs - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:41] local.INFO: calculateLTV Inputs after type casting - Loan Amount: 367119, Appraised Value: 7000000  
[2026-02-05 07:07:41] local.INFO:  ---------------- LenderpriceID - Sal.Ali----40  
[2026-02-05 07:07:41] local.DEBUG: Request Array {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119.0,"appraisedValue":7000000.0,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742.0,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[7,10,15,20,25,30],"varLoanTypeCriteria":[]} 
[2026-02-05 07:07:41] local.INFO: Fetching LenderPrice token {"force":true} 
[2026-02-05 07:07:41] local.INFO: New LenderPrice token saved  
[2026-02-05 07:07:41] local.ERROR: Token response: {"valid":"2026-02-06T07:07:41.788Z","secret":"k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/94aBmpj9ENOUapSjYke+kR"}  
[2026-02-05 07:07:41] local.ERROR: Token response decoded: k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/94aBmpj9ENOUapSjYke+kR  
[2026-02-05 07:07:41] local.INFO: LenderPrice Token Retrieved - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/94aBmpj9ENOUapSjYke+kR  
[2026-02-05 07:07:41] local.INFO: Making API request {"url":"https://ppe-rapi.lenderprice.com/rest/pricing/multisearch/667ae5e1ce8ad000011a9ea2"} 
[2026-02-05 07:07:41] local.INFO: Making API request - requestJSON - {"companyId":"62c32579ce8ad000010a5f06","date":null,"loanPurposeCriteria":["Refinance"],"criteria":{"purchasePrice":0,"loanAmount":367119,"appraisedValue":7000000,"subordinateLoanAmount":0,"pmiType":"None","loanPurpose":"Refinance","mortgageTypes":["Conventional"],"propertyUse":"PrimaryResidence","fico":742,"monthlyDebt":5333,"monthlyIncome":16667},"accessCriteria":{"companyIds":[],"userContext":{"username":"Sal.Ali"}},"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false},"brokerCriteria":{"dayLocks":30,"ausList":["DU","LP"],"closingCostRange":{"closestToPar":false},"minimunCompensation":-1.5,"maxCompensation":0.5},"maxListingPerRate":1,"property":{"address":{"zip":"85083","state":"AZ"},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1},"termsCriteria":[7,10,15,20,25,30],"varLoanTypeCriteria":[]}  
[2026-02-05 07:07:41] local.INFO: Making API request - token - k4F7wsQoYsxDbZvALXKAuSQuo/1HEaMAunoEx0KoL/94aBmpj9ENOUapSjYke+kR  
[2026-02-05 07:07:44] local.DEBUG: API Response {"response":"{\"dataEventId\":\"698441bd77649e0001236521-27348\",\"baseSearch\":{\"allowModifiedDate\":true,\"titleVendorQuestions\":[],\"useExternalFees\":true,\"showTitleQuestion\":true,\"debugLevel\":\"WARNING\",\"pricingOrigin\":\"ApiPricing\",\"lenderAutoPrice\":false,\"loanAmountCriteria\":[367119.0],\"termsCriteria\":[7,10,15,20,25,30],\"termsInMonths\":false,\"loanPurposeCriteria\":[\"Refinance\"],\"loanTypeCriteria\":[\"Fixed\"],\"varLoanTypeCriteria\":[],\"titleVendors\":[],\"name\":\"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2\",\"companyId\":\"62c32579ce8ad000010a5f06\",\"criteria\":{\"id\":\"698441bd77649e000123651a\",\"purchasePrice\":0.0,\"loanAmount\":367119.0,\"rehabBudget\":0.0,\"totalLoanAmount\":400000.0,\"computeApr\":true,\"totalLoanAmountByMortgageType\":{\"Conventional\":367119.0},\"totalLoanAmountByFHALoanType\":{},\"subordinateLoanAmount\":0.0,\"pmiType\":\"None\",\"monthlyIncome\":16667.0,\"monthlyDebt\":5333.0,\"ami\":109600.0,\"incomeAmiRatio\":1.8248540145985401,\"lmiData\":{\"id\":null,\"lmiSubsidyId\":null,\"lmiTract\":0,\"borLimit\":0.0,\"chaseAA\":false,\"msa\":null,\"lmiType\":null,\"commTract\":null},\"dutyToServe\":false,\"lineAmount\":0.0,\"drawAmount\":0.0,\"constructionDrawAmount\":0.0,\"renovationCost\":0.0,\"cashoutAmount\":0.0,\"appraisedValue\":7000000.0,\"isFirstLienSame\":\"\",\"monthlyReserve\":0.0,\"employeeLoan\":\"\",\"dscr\":0.0,\"caseAssignementDate\":\"2026-02-05T07:07:41.981Z\",\"docType\":\"FullDoc\",\"closedEnd\":false,\"balloon\":false,\"rural\":false,\"firstTimeHomeBuyer\":false,\"selfEmployed\":false,\"nonWarrantableProject\":false,\"renovationLoan\":false,\"communitySecond\":false,\"numberOfCoBorrower\":1,\"numberOfBorrower\":1,\"loanYear\":30,\"loanPurpose\":\"Refinance\",\"fhaEndorsementDate\":\"2026-02-05T07:07:41.981Z\",\"loanType\":\"Fixed\",\"paymentInterestType\":\"FullPITI\",\"helocCriteria\":{\"applyLineAmount\":false},\"mortgageTypes\":[\"Conventional\"],\"mortgageLimitMapByYear\":{\"2026\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0}},\"highBalanceCountyMappedByYear\":{\"2026\":false},\"mortgageLimitForLatestYear\":{\"mortgageLimitFHA\":\"Conforming\",\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"year\":2026,\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0},\"mortgageLimit\":\"Conforming\",\"fhaMortgageLimit\":557750.0,\"propertyUse\":\"PrimaryResidence\",\"ownProperties\":0,\"veteranType\":\"Active_Or_Veteran\",\"vaUsageType\":\"First_Use\",\"ufmipFinanced\":\"YES\",\"propertyValuationType\":\"Full_Appraisal\",\"calculatedfeeAmount\":0.0,\"calculatedFeeByMortgageType\":{},\"calculatedFeeByFHALoanType\":{},\"affinityCode\":\"\",\"affinityCodes\":[],\"specialMortgageOptions\":[],\"inclusive\":false,\"varaiableLoanTypes\":[],\"fico\":742,\"fhaLoanTypes\":[\"STANDARD\"],\"vaLoanTypes\":[\"ALL\"],\"cemaIndicator\":false,\"downPaymentAmount\":0.0,\"compensationType\":\"LenderCompPlan\",\"studentLoanIndicator\":false,\"appraisalConditionAsIs\":true,\"totalLoanAmountByVaType\":{},\"normalHelocBehavior\":true,\"interestOnly\":false,\"payoffStatusIndicatorFirstLien\":false,\"payoffStatusIndicatorSecondLien\":false,\"existingFirstLien\":true,\"subordinate\":false,\"assumption\":false,\"assumptionRate\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"occupancyRate\":0.0,\"firstLienPaymentAmount\":0.0,\"subordinateSubType\":\"NONE\",\"useCustomerTotalLoanAmount\":false,\"helocLtvComputationLogic\":\"LP\",\"rtlproduct\":false,\"reversemortgage\":false,\"dti\":0.31997,\"ltv\":0.05245,\"cltv\":0.05245,\"highBalanceCounty\":false,\"lenderFeeWaiver\":false,\"escrowWaiver\":false,\"hcltvDrawAmount\":0.0,\"hcltvLineAmount\":0.05245,\"valueOfCollateral\":7000000.0,\"ext\":false},\"property\":{\"allowModifiedDate\":true,\"address\":{\"longitude\":null,\"latitude\":null,\"censustract\":\"\",\"street\":\"\",\"streetCont\":\"\",\"city\":\"\",\"zip\":\"85083\",\"zipExt\":\"\",\"state\":\"AZ\",\"province\":\"\",\"county\":\"04013\",\"countyName\":\"MARICOPA\",\"country\":\"US\",\"countyFips\":\"04013\",\"stateFips\":\"\",\"msa\":null,\"defaultZipFipsComboOnMismatch\":false},\"propertyType\":\"PlannedUnitDevelopment\",\"numberOfUnit\":1,\"bedrooms\":0,\"bathrooms\":0.0,\"finishedSqFt\":0.0,\"lotSizeSqFt\":0.0,\"lotSizeAcre\":0.0,\"yearBuilt\":0,\"mls\":\"\",\"totalRooms\":0,\"propertyDescription\":\"\",\"price\":0.0,\"priceDate\":\"\",\"hoa\":0.0,\"taxAssessment\":0.0,\"taxAssessmentYear\":\"\",\"propertyTaxPercent\":0.0,\"propertyTaxYear\":\"\",\"lastSoldPrice\":0.0,\"lastSoldDate\":\"\",\"jsonImages\":[],\"links\":[],\"forSale\":false,\"features\":[],\"constructions\":[],\"facts\":[]},\"brokerCriteria\":{\"allowModifiedDate\":true,\"searchContext\":{},\"minimunCompensation\":-1.5,\"maxCompensation\":0.5,\"scriptWeight\":100,\"overrideExistingComplan\":false,\"lockGroups\":[],\"excludeLockGroups\":[],\"pointsFinancedDollarAmount\":0.0,\"adjCodeToExclude\":[],\"adjNameToExclude\":[],\"adjIdToExclude\":[],\"overrideRateAdjs\":{},\"rateTypes\":[],\"subRateTypes\":[],\"qmTypes\":[],\"view\":\"LenderPaid\",\"businessSourceType\":\"BST_NA\",\"feeServicerList\":[],\"adjustments\":[],\"rangeComplan\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeGeLe\",\"from\":null,\"to\":null},\"sortStrategy\":\"APR\",\"priceBucketList\":[],\"resultPerBucket\":1,\"executionType\":\"BestEfforts\",\"useExecutionType\":false,\"dayLocks\":30,\"dayLocksList\":[7,15,30,45,60,70,75,90,120],\"ausList\":[\"LP\",\"DU\"],\"ausIndicator\":\"\",\"closingCostRange\":{\"@class\":\"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost\",\"from\":null,\"to\":null,\"closestToPar\":false,\"closestToTargetValue\":null,\"infinite\":true},\"displayConventionalRate\":false},\"accessCriteria\":{\"marketPlaceSearch\":false,\"dataLog\":true,\"userContext\":{\"overrided\":true,\"username\":\"Sal.Ali\",\"groupType\":\"AddToCurrentUser\"},\"companyIds\":[],\"companyMap\":{},\"ratePeriodMap\":{},\"overrideNode\":25,\"fieldsToRemove\":[]},\"miCriteria\":{\"mode\":\"Reducer\",\"miCompanyId\":null,\"miCompanyName\":null,\"amortizationType\":\"FullyAmmortized\",\"loanType\":\"Fixed\",\"duLpDecision\":\"DU_Approve_Eligible\",\"buyDownPercent\":\"None\",\"originationChannel\":\"Retail\",\"loanProgram\":null,\"renewalType\":\"Constant\",\"paymentPlan\":\"EZMonthly\",\"paymentType\":\"Monthly\",\"borrowerFicoScore\":null,\"coBorrowerFicoScore\":null,\"varaiableLoanType\":null,\"monthlyPlanRefundable\":false,\"singlePlanRefundable\":false,\"splitPlanRefundable\":false,\"annualPlanRefundable\":false,\"borrowerNonTraditionalCredit\":false,\"coBorrowerNonTraditionalCredit\":false,\"borrowerSelfEmployed\":false,\"coBorrowerSelfEmployed\":false,\"buydownUpfrontAmount\":null,\"needCoBorrower\":false,\"overrideDTI\":null,\"overrideDSCR\":null,\"initialPremiumAtClosing\":\"Deferred\",\"rateQuoteAllProductIndicator\":false,\"rateQuoteProductComparisonIndicator\":false,\"miPremiumFinancedIndicator\":false,\"premiumRatePlanType\":\"Level\",\"miRateSource\":null,\"miCoverage\":null,\"miCoverages\":[],\"miPremium\":null,\"useDefaultEstimatedMi\":false,\"companyToken\":\"Placeholder\",\"numberOfDeferredPayments\":0},\"dynamicPropertiesMap\":{},\"rateGridIds\":[],\"rateProgramIds\":[],\"ratePeriodIds\":[\"6557cf91ce8ad000012b25b3\"],\"ratePeriodIdOverride\":\"6557cf91ce8ad000012b25b3\",\"investors\":[],\"investorIds\":[],\"test\":false,\"skipAdjustments\":false,\"filter\":{\"programNames\":[],\"productCode\":[],\"getRateGridFilterReason\":false,\"ineligibleProduct\":false,\"priceIneligibleProduct\":false,\"rateFilter\":{\"condition\":null,\"filters\":[]}},\"globalGroupAdjustmentMap\":{},\"disqualifyAsync\":false,\"disqualifyFullResult\":true,\"showDisqualify\":false,\"showDisqualifyRules\":false,\"sortAscPoints\":true,\"showUnmatchCompPlan\":false,\"feeCriteria\":{},\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"multiSearchClosingCostList\":[],\"showInterpolatedPricing\":false,\"targetInterpolatedPrices\":[],\"onlyShowTargetPrice\":false,\"onlyShowTargetRate\":false,\"showAllDayLocksForInterpolatedRates\":false,\"rates\":[],\"rateRange\":{\"@class\":\"com.cre8techlabs.entity.range.DoubleRangeLeGt\",\"from\":null,\"to\":null,\"null\":true},\"maxListingPerRate\":1,\"computedExpirationDate\":\"2026-03-07T07:59:59.999Z\",\"showPayeeDetail\":false,\"requestId\":\"698441bd0c4f430001659315\",\"allDayLocks\":false,\"dayLocksCriteria\":[],\"encounteredUserGroups\":{\"633e5f35ce8ad00001b13c9d\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Loan Officer - Insta Mortgage\",\"startDate\":\"2026-01-08T17:12:01.459Z\",\"endDate\":null,\"userGroupId\":\"633e5f35ce8ad00001b13c9d\",\"canViewBrokerMargin\":false},\"65ba6da8ce8ad00001e4857e\":{\"className\":\"com.cre8techlabs.entity.user.group.CompanyUserGroup\",\"userGroupName\":\"Flex User Group\",\"startDate\":\"2024-07-11T16:29:13.547Z\",\"endDate\":null,\"userGroupId\":\"65ba6da8ce8ad00001e4857e\",\"canViewBrokerMargin\":false}},\"useApplicationDateAsPricingDate\":false,\"listAllRateProducts\":false,\"fields\":[],\"externalCompensation\":{\"compPlanDollarRange\":{\"from\":null,\"to\":null},\"overrideComplan\":0.0,\"overrideComplanFlatFee\":0.0},\"useExternalCompensation\":false,\"byPassCap\":false,\"useCurrentBasePricing\":false,\"loanPurpose\":{\"values\":[\"Refinance\"],\"type\":\"com.cre8techlabs.entity.rate.LoanPurpose\"},\"loanType\":{\"values\":[\"Fixed\"],\"type\":\"com.cre8techlabs.entity.rate.LoanType\"},\"amortizationType\":{\"values\":[\"_1_1\",\"_1_6\",\"_2_1\",\"_3_1\",\"_3_5\",\"_3_6\",\"_5_1\",\"_5_2\",\"_5_5\",\"_5_6\",\"_7_1\",\"_7_2\",\"_7_6\",\"_10_1\",\"_10_6\",\"_15_6\",\"_6_6\",\"_6m_6\",\"_1m_1m\",\"_15_1\",\"_3_3\",\"_6_1\"],\"type\":\"com.cre8techlabs.entity.rate.VaraiableLoanType\"},\"mortgageTypes\":{\"values\":[\"Conventional\"],\"type\":\"com.cre8techlabs.entity.rate.MortgageType\"},\"fhaLoanTypes\":{\"values\":[\"STANDARD\"],\"type\":\"com.cre8techlabs.entity.rate.FHALoanType\"},\"multi\":true,\"fhaloanTypeCriteria\":[\"STANDARD\"]},\"disqualifyCount\":0,\"resultMap\":[{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.49,6.5,6.625,6.75,6.875,6.99,7.0,7.125],\"monthlyPaymentMapByRate\":{\"5.75\":2309.57,\"5.875\":2337.38,\"5.99\":2363.11,\"6.0\":2365.35,\"6.125\":2393.48,\"6.25\":2421.77,\"5.625\":2281.92,\"6.375\":2450.22,\"6.49\":2476.52,\"6.5\":2478.81,\"6.625\":2507.56,\"6.75\":2536.47,\"6.875\":2565.52,\"6.99\":2592.38,\"7.0\":2594.72,\"7.125\":2624.07},\"data\":{\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.45855,\"hti\":0.13857,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":5.75,\"monthlyPI\":-2309.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364821.04,\"totalInterest\":325740.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2309.57},{\"start\":300,\"end\":300,\"rate\":5.75,\"monthlyPI\":-2308.97,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2297.96,\"totalInterest\":11.01,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2308.97}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2309.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":325751.4,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2309.57},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.752,\"rawBasePoints\":0.629,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.627,\"adjustmentPointsBorrowerPaid\":-1.627,\"rawAdjustmentPoints\":-1.627,\"rawAdjustmentPointsBorrowerPaid\":-1.627,\"armIndexRate\":0.0,\"notRoundedAPR\":5.763,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.121,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.121,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0020000000000000018,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.123,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.123,\"totalNoteRateAdjustment\":0.0},\"apr\":5.763,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"68acadb856859ae85c7bf756\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"68acac81ae53c9e3767c1a3c\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 25yr Fixed - 350k < Bal <= 375k\",\"displayName\":\"FNMA 25yr Fixed - 350k < Bal <= 375k\"},\"conditionActions\":[],\"programName\":\"FNMA 25yr Fixed - 350k < Bal <= 375k\",\"expired\":true,\"productName\":\"25yr Fixed - 350k < Bal <= 375k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2309.57,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":2309.57,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.627,\"totalGroupAdjustmentProperties\":-1.627,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.46021,\"hti\":0.14024,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":5.875,\"monthlyPI\":-2337.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364792.28,\"totalInterest\":334084.34,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2337.38},{\"start\":300,\"end\":300,\"rate\":5.875,\"monthlyPI\":-2338.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2326.72,\"totalInterest\":11.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2338.11}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2337.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":334095.73,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2337.38},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.711,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038999999999999924,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038999999999999924,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1139999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1139999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63053ec1ce8ad000017fa77d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH30\",\"displayName\":\"FHLMC Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2337.38,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":2337.38,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.46176,\"hti\":0.14178,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":5.99,\"monthlyPI\":-2363.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364767.92,\"totalInterest\":341801.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2363.11},{\"start\":300,\"end\":300,\"rate\":5.99,\"monthlyPI\":-2362.82,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2351.08,\"totalInterest\":11.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2362.82}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2363.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":341813.71,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2363.11},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.325,\"rawBasePoints\":0.249,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":9.999999999998899E-4,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":9.999999999998899E-4,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63053ec1ce8ad000017fa77d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH30\",\"displayName\":\"FHLMC Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2363.11,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":2363.11,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.46189,\"hti\":0.14192,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.0,\"monthlyPI\":-2365.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364763.46,\"totalInterest\":342476.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2365.35},{\"start\":300,\"end\":300,\"rate\":6.0,\"monthlyPI\":-2367.32,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2355.54,\"totalInterest\":11.78,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2367.32}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2365.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":342487.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2365.35},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.725,\"rawBasePoints\":-1.773,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-0.15,\"adjustmentPointsBorrowerPaid\":-0.15,\"rawAdjustmentPoints\":-0.15,\"rawAdjustmentPointsBorrowerPaid\":-0.15,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"name\":\"Adjustments - Agency Spec Pay Tables\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.07,\"finalAdjustment\":-0.07,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"attributes\":[],\"key\":\"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.07,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.07,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"name\":\"Adjustments - Agency Spec Pay Tables\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.07,\"finalAdjustment\":-0.07,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"attributes\":[],\"key\":\"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.07,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.07,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.02300000000000002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.02300000000000002,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.025000000000000022,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.025000000000000022,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.048,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.048,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"62faa271ce8ad00001a9a178\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f59e\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"25 Yr Freddie Fixed\",\"displayName\":\"25 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"25 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"25 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2365.35,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":2365.35,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.875,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.15,\"totalGroupAdjustmentProperties\":-0.15,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.46358,\"hti\":0.14361,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.125,\"monthlyPI\":-2393.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364734.95,\"totalInterest\":350915.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2393.48},{\"start\":300,\"end\":300,\"rate\":6.125,\"monthlyPI\":-2396.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2384.05,\"totalInterest\":12.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2396.22}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2393.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":350927.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2393.48},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.312,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.062000000000000055,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.062000000000000055,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.137,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.137,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63053ec1ce8ad000017fa77d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH30\",\"displayName\":\"FHLMC Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2393.48,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":2393.48,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.46528,\"hti\":0.1453,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.25,\"monthlyPI\":-2421.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364708.67,\"totalInterest\":359400.56,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2421.77},{\"start\":300,\"end\":300,\"rate\":6.25,\"monthlyPI\":-2422.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2410.33,\"totalInterest\":12.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2422.88}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2421.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":359413.11,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2421.77},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.897,\"rawBasePoints\":-2.003,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.478,\"adjustmentPointsBorrowerPaid\":-0.478,\"rawAdjustmentPoints\":-0.478,\"rawAdjustmentPointsBorrowerPaid\":-0.478,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"name\":\"Adjustments - Agency Spec Pay Tables\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.398,\"finalAdjustment\":-0.398,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"attributes\":[],\"key\":\"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.398,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.398,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"name\":\"Adjustments - Agency Spec Pay Tables\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.398,\"finalAdjustment\":-0.398,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"621d1019ce8ad00001dd67fd\",\"attributes\":[],\"key\":\"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.398,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.398,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0029999999999998916,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0029999999999998916,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10299999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10299999999999998,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"62faa271ce8ad00001a9a178\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"55600153e4b0cf20a341f59e\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"25 Yr Freddie Fixed\",\"displayName\":\"25 Yr Freddie Fixed\"},\"conditionActions\":[],\"programName\":\"25 Yr Freddie Fixed\",\"expired\":false,\"productName\":\"25 Yr Freddie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2421.77,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":2421.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.875,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.478,\"totalGroupAdjustmentProperties\":-0.478,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.45689,\"hti\":0.13691,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":5.625,\"monthlyPI\":-2281.92,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364848.4,\"totalInterest\":317445.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2281.92},{\"start\":300,\"end\":300,\"rate\":5.625,\"monthlyPI\":-2281.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2270.6,\"totalInterest\":10.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2281.24}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2281.92,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":317456.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2281.92},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.7,\"rawBasePoints\":1.562,\"adjustedPoints\":0.5,\"adjustedPointsBorrowerPaid\":0.5,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.677,\"borrowerPaid\":1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.5,\"amount\":1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.5,\"borrowerPaidMinusCompDollarAmount\":1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.5,\"amount\":1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06300000000000017,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06300000000000017,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1380000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1380000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":5.6769,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63053ec1ce8ad000017fa77d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH30\",\"displayName\":\"FHLMC Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.5,\"borrowerPaidAmount\":1835.6,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2281.92,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":2281.92,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1835.595,\"qmPercentage\":0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":0.5,\"discountPointsNoFees\":0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.46698,\"hti\":0.14701,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.375,\"monthlyPI\":-2450.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364685.13,\"totalInterest\":367930.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2450.22},{\"start\":300,\"end\":300,\"rate\":6.375,\"monthlyPI\":-2446.8,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2433.87,\"totalInterest\":12.93,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2446.8}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2450.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":367943.58,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2450.22},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.071,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07100000000000017,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07100000000000017,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1070000000000002,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1070000000000002,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3654ce8ad0000119bdd5\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":300,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"629a352bce8ad0000119af36\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30/25yr Fixed P&I Conforming- FNMA\",\"displayName\":\"FNMA Conforming 25 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 25 Yr Fixed\",\"expired\":true,\"productName\":\"25 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2450.22,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":2450.22,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.875,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.49,\"dti\":0.46856,\"hti\":0.14859,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.49,\"baseRates\":6.49,\"adjustedRates\":6.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.49,\"monthlyPI\":-2476.52,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364655.59,\"totalInterest\":375823.89,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2476.52},{\"start\":300,\"end\":300,\"rate\":6.49,\"monthlyPI\":-2476.73,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2463.41,\"totalInterest\":13.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2476.73}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2476.52,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":375837.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2476.52},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.25,\"rawBasePoints\":-1.29,\"adjustedPoints\":-0.25,\"adjustedPointsBorrowerPaid\":-0.25,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":6.49,\"borrowerPaid\":-917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.25,\"borrowerPaidMinusCompDollarAmount\":-917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03999999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03999999999999998,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"apr\":6.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.25,\"borrowerPaidAmount\":-917.8,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2476.52,\"interestOnlyAmount\":1985.5,\"interestPlusFixedPrinciple\":2476.52,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.25,\"finalQmClosingCosts\":-917.7975,\"qmPercentage\":-0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-0.25,\"discountPointsNoFees\":-0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.4687,\"hti\":0.14873,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.5,\"monthlyPI\":-2478.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364650.61,\"totalInterest\":376513.58,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2478.81},{\"start\":300,\"end\":300,\"rate\":6.5,\"monthlyPI\":-2481.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2468.39,\"totalInterest\":13.37,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2481.76}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2478.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":376526.95,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2478.81},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.611,\"rawBasePoints\":-0.509,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.111,\"adjustmentPointsBorrowerPaid\":-2.111,\"rawAdjustmentPoints\":-2.111,\"rawAdjustmentPointsBorrowerPaid\":-2.111,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.009000000000000008,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.009000000000000008,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.12,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.12,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"615a021bce8ad0000199d419\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"5ab2b1a04cedfd0001d747ef\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"25 Year Fixed Conforming LP\",\"displayName\":\"25 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"25 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"25 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2478.81,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":2478.81,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.0,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":6.0,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.111,\"totalGroupAdjustmentProperties\":-2.111,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.47042,\"hti\":0.15045,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.625,\"monthlyPI\":-2507.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364621.76,\"totalInterest\":385138.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2507.56},{\"start\":300,\"end\":300,\"rate\":6.625,\"monthlyPI\":-2511.03,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2497.24,\"totalInterest\":13.79,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2511.03}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2507.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":385152.47,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2507.56},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.5,\"rawBasePoints\":-1.583,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08299999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08299999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.083,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.083,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2507.56,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":2507.56,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.47216,\"hti\":0.15219,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.75,\"monthlyPI\":-2536.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364598.68,\"totalInterest\":393805.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2536.47},{\"start\":300,\"end\":300,\"rate\":6.75,\"monthlyPI\":-2534.5,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2520.32,\"totalInterest\":14.18,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2534.5}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2536.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":393820.03,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2536.47},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.12,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1200000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.1200000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a388bce8ad0000119db13\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":300,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"629a3847ce8ad0000119d9cb\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30/25yr Fixed P&I Conforming- FHLMC\",\"displayName\":\"FHLMC Conforming 25 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 25 Yr Fixed\",\"expired\":true,\"productName\":\"25 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2536.47,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":2536.47,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.99,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.99,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.4739,\"hti\":0.15393,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.875,\"monthlyPI\":-2565.52,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364568.02,\"totalInterest\":402522.46,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2565.52},{\"start\":300,\"end\":300,\"rate\":6.875,\"monthlyPI\":-2565.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2550.98,\"totalInterest\":14.61,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2565.59}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2565.52,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":402537.07,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2565.52},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.0,\"rawBasePoints\":-2.005,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.004999999999999893,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.004999999999999893,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.005,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.005,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2565.52,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":2565.52,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.99,\"dti\":0.47551,\"hti\":0.15554,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.99,\"baseRates\":6.99,\"adjustedRates\":6.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":6.99,\"monthlyPI\":-2592.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364542.41,\"totalInterest\":410579.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2592.38},{\"start\":300,\"end\":300,\"rate\":6.99,\"monthlyPI\":-2591.6,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2576.59,\"totalInterest\":15.01,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2591.6}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2592.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":410594.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2592.38},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.125,\"rawBasePoints\":-2.225,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":6.99,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10000000000000009,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1,\"totalNoteRateAdjustment\":0.0},\"apr\":6.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2592.38,\"interestOnlyAmount\":2138.47,\"interestPlusFixedPrinciple\":2592.38,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.0,\"dti\":0.47565,\"hti\":0.15568,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.0,\"baseRates\":7.0,\"adjustedRates\":7.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":7.0,\"monthlyPI\":-2594.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364538.78,\"totalInterest\":411282.5,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2594.72},{\"start\":300,\"end\":300,\"rate\":7.0,\"monthlyPI\":-2595.27,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2580.22,\"totalInterest\":15.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2595.27}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2594.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":411297.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2594.72},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.25,\"rawBasePoints\":-2.257,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":7.0,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.006999999999999895,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.006999999999999895,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.007,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.007,\"totalNoteRateAdjustment\":0.0},\"apr\":7.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2594.72,\"interestOnlyAmount\":2141.53,\"interestPlusFixedPrinciple\":2594.72,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.125,\"dti\":0.47741,\"hti\":0.15744,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":25,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.125,\"baseRates\":7.125,\"adjustedRates\":7.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":299,\"rate\":7.125,\"monthlyPI\":-2624.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364511.64,\"totalInterest\":420085.29,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2624.07},{\"start\":300,\"end\":300,\"rate\":7.125,\"monthlyPI\":-2622.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2607.36,\"totalInterest\":15.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2622.84}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2624.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":420100.77,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2624.07},\"multiSearchKey\":-569946932,\"multiSearchKeyV2\":-569946932,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.375,\"rawBasePoints\":-2.499,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.0,\"adjustmentPointsBorrowerPaid\":0.0,\"rawAdjustmentPoints\":0.0,\"rawAdjustmentPointsBorrowerPaid\":0.0,\"armIndexRate\":0.0,\"notRoundedAPR\":7.125,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.12400000000000011,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.12400000000000011,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.124,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.124,\"totalNoteRateAdjustment\":0.0},\"apr\":7.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067cf5ce8ad00001b50b79\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[25],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 25 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 25 YR FIXED\",\"expired\":false,\"productName\":\"25 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2624.07,\"interestOnlyAmount\":2179.77,\"interestPlusFixedPrinciple\":2624.07,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.49,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":6.49,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.0,\"totalGroupAdjustmentProperties\":0.0,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_300\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-569946932,\"dayLock\":30},\"criteriaKey\":-569946932},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],\"monthlyPaymentMapByRate\":{\"4.99\":2901.24,\"5.0\":2903.15,\"5.125\":2927.11,\"5.25\":2951.19,\"5.375\":2975.37,\"5.49\":2997.72,\"5.5\":2999.67,\"5.625\":3024.08,\"5.75\":3048.59,\"5.875\":3073.22,\"6.0\":3097.96,\"6.125\":3122.81,\"6.25\":3147.76,\"6.375\":3172.83,\"6.5\":3198.0,\"6.625\":3223.28,\"6.75\":3248.67,\"6.875\":3274.17,\"7.0\":3299.77,\"7.125\":3325.48,\"7.25\":3351.29,\"7.375\":3377.21},\"data\":{\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.49404,\"hti\":0.17407,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":4.99,\"monthlyPI\":-2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364229.38,\"totalInterest\":155092.58,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.24},{\"start\":180,\"end\":180,\"rate\":4.99,\"monthlyPI\":-2901.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2889.62,\"totalInterest\":12.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2901.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2901.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155104.6,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2901.24},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.325,\"rawBasePoints\":1.157,\"adjustedPoints\":0.375,\"adjustedPointsBorrowerPaid\":0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.047,\"borrowerPaid\":1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.375,\"borrowerPaidMinusCompDollarAmount\":1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09299999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09299999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.168,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0471,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.375,\"borrowerPaidAmount\":1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2901.24,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":2901.24,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1376.69625,\"qmPercentage\":0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.375,\"discountPointsNoFees\":0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.49416,\"hti\":0.17419,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.0,\"monthlyPI\":-2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364226.91,\"totalInterest\":155436.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2903.15},{\"start\":180,\"end\":180,\"rate\":5.0,\"monthlyPI\":-2904.14,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2892.09,\"totalInterest\":12.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2904.14}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2903.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":155448.99,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2903.15},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.2,\"rawBasePoints\":1.115,\"adjustedPoints\":0.25,\"adjustedPointsBorrowerPaid\":0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.038,\"borrowerPaid\":917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.25,\"borrowerPaidMinusCompDollarAmount\":917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.25,\"amount\":917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.009999999999999787,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.009999999999999787,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0849999999999997,\"totalNoteRateAdjustment\":0.0},\"apr\":5.038,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df9cbce8ad000012d6ff6\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA15\",\"displayName\":\"FNMA Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.25,\"borrowerPaidAmount\":917.8,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2903.15,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":2903.15,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":917.7975,\"qmPercentage\":0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.125,\"discountPoints\":0.25,\"discountPointsNoFees\":0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.4956,\"hti\":0.17562,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.125,\"monthlyPI\":-2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364203.05,\"totalInterest\":159749.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2927.11},{\"start\":180,\"end\":180,\"rate\":5.125,\"monthlyPI\":-2928.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2915.95,\"totalInterest\":12.45,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2928.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2927.11,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":159762.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2927.11},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.738,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01200000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.01200000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.087,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2927.11,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":2927.11,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.49704,\"hti\":0.17707,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.25,\"monthlyPI\":-2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364181.21,\"totalInterest\":164081.8,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2951.19},{\"start\":180,\"end\":180,\"rate\":5.25,\"monthlyPI\":-2950.64,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2937.79,\"totalInterest\":12.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2950.64}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2951.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":164094.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2951.19},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.575,\"rawBasePoints\":0.489,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010999999999999899,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010999999999999899,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0859999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2951.19,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":2951.19,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.49849,\"hti\":0.17852,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.375,\"monthlyPI\":-2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364156.11,\"totalInterest\":168435.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2975.37},{\"start\":180,\"end\":180,\"rate\":5.375,\"monthlyPI\":-2976.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2962.89,\"totalInterest\":13.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2976.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2975.37,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":168448.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2975.37},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.67,\"rawBasePoints\":-1.765,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.015000000000000013,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.015000000000000013,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07999999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07999999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.095,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a1\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 YEAR FIXED CONFORMING\",\"displayName\":\"15 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"15 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"15 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2975.37,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":2975.37,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.25,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.49983,\"hti\":0.17986,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.49,\"monthlyPI\":-2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364134.67,\"totalInterest\":172457.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.72},{\"start\":180,\"end\":180,\"rate\":5.49,\"monthlyPI\":-2997.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2984.33,\"totalInterest\":13.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2997.98}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2997.72,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172470.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2997.72},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.256,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.006000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.006000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.081,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2997.72,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":2997.72,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.49995,\"hti\":0.17998,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.5,\"monthlyPI\":-2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364133.39,\"totalInterest\":172807.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.67},{\"start\":180,\"end\":180,\"rate\":5.5,\"monthlyPI\":-2999.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2985.61,\"totalInterest\":13.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2999.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2999.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":172821.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2999.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.283,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03300000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03300000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.108,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2999.67,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":2999.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.50141,\"hti\":0.18144,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.625,\"monthlyPI\":-3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364110.21,\"totalInterest\":177200.11,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3024.08},{\"start\":180,\"end\":180,\"rate\":5.625,\"monthlyPI\":-3022.89,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3008.79,\"totalInterest\":14.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3022.89}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3024.08,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":177214.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3024.08},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.5,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.075,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3024.08,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":3024.08,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.50289,\"hti\":0.18291,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.75,\"monthlyPI\":-3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364084.07,\"totalInterest\":181613.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3048.59},{\"start\":180,\"end\":180,\"rate\":5.75,\"monthlyPI\":-3049.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3034.93,\"totalInterest\":14.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3049.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3048.59,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":181628.08,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3048.59},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.569,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.069,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.069,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.144,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df298ce8ad00001e86e6f\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH15\",\"displayName\":\"FHLMC Standard Agency 15 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 15 YR FIXED\",\"expired\":false,\"productName\":\"15 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3048.59,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":3048.59,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.50436,\"hti\":0.18439,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":5.875,\"monthlyPI\":-3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364060.44,\"totalInterest\":186045.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.22},{\"start\":180,\"end\":180,\"rate\":5.875,\"monthlyPI\":-3073.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3058.56,\"totalInterest\":14.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3073.53}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3073.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":186060.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3073.22},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.4,\"rawBasePoints\":-1.592,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.975,\"adjustmentPointsBorrowerPaid\":-0.975,\"rawAdjustmentPoints\":-0.975,\"rawAdjustmentPointsBorrowerPaid\":-0.975,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.975,\"finalAdjustment\":-0.975,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0fd64cedfd0001290fe7\",\"attributes\":[],\"key\":\"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.975,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.975,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09199999999999997,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09199999999999997,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10000000000000009,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1920000000000002,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5da498134cedfd000137143c\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 15yr Fixed - Bal > 225k\",\"displayName\":\"FNMA 15yr Fixed - Bal > 225k\"},\"conditionActions\":[],\"programName\":\"FNMA 15yr Fixed - Bal > 225k\",\"expired\":true,\"productName\":\"15yr Fixed - Bal > 225k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3073.22,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":3073.22,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.25,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.25,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.975,\"totalGroupAdjustmentProperties\":-0.975,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.50585,\"hti\":0.18587,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.0,\"monthlyPI\":-3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364036.81,\"totalInterest\":190498.03,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.96},{\"start\":180,\"end\":180,\"rate\":6.0,\"monthlyPI\":-3097.6,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3082.19,\"totalInterest\":15.41,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3097.6}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3097.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":190513.44,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3097.96},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.617,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.153,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3097.96,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":3097.96,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.50734,\"hti\":0.18736,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.125,\"monthlyPI\":-3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364013.3,\"totalInterest\":194969.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3122.81},{\"start\":180,\"end\":180,\"rate\":6.125,\"monthlyPI\":-3121.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3105.7,\"totalInterest\":15.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3121.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3122.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":194985.54,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3122.81},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.639,\"rawBasePoints\":-2.867,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11699999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11699999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.228,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3731ce8ad0000119bf37\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3122.81,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":3122.81,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.50884,\"hti\":0.18886,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.25,\"monthlyPI\":-3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363986.84,\"totalInterest\":199462.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3147.76},{\"start\":180,\"end\":180,\"rate\":6.25,\"monthlyPI\":-3148.47,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3132.16,\"totalInterest\":16.31,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3148.47}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3147.76,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":199478.51,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3147.76},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.004,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0040000000000000036,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0040000000000000036,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.04,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3926ce8ad0000119dbbc\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":180,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 15 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 15 Yr Fixed\",\"expired\":true,\"productName\":\"15 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3147.76,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":3147.76,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.51034,\"hti\":0.19037,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.375,\"monthlyPI\":-3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363963.71,\"totalInterest\":203972.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.83},{\"start\":180,\"end\":180,\"rate\":6.375,\"monthlyPI\":-3172.05,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3155.29,\"totalInterest\":16.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3172.05}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3172.83,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":203989.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3172.83},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.318,\"rawBasePoints\":-1.46,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-1.182,\"adjustmentPointsBorrowerPaid\":-1.182,\"rawAdjustmentPoints\":-1.182,\"rawAdjustmentPointsBorrowerPaid\":-1.182,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08500000000000002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08500000000000002,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1ac4cedfd0001d74acc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 15 Year Fixed\",\"displayName\":\"15 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"15 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"15 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3172.83,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":3172.83,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.182,\"totalGroupAdjustmentProperties\":-1.182,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.51185,\"hti\":0.19188,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.5,\"monthlyPI\":-3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363938.07,\"totalInterest\":208503.93,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.0},{\"start\":180,\"end\":180,\"rate\":6.5,\"monthlyPI\":-3198.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3180.93,\"totalInterest\":17.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3198.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3198.0,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":208521.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3198.0},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.443,\"rawBasePoints\":-1.546,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04600000000000004,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04600000000000004,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.056999999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.056999999999999995,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.103,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3198.0,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":3198.0,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.51337,\"hti\":0.19339,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.625,\"monthlyPI\":-3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363912.73,\"totalInterest\":213054.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.28},{\"start\":180,\"end\":180,\"rate\":6.625,\"monthlyPI\":-3223.97,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3206.27,\"totalInterest\":17.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3223.97}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3223.28,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":213072.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3223.28},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.693,\"rawBasePoints\":-1.77,\"adjustedPoints\":-0.625,\"adjustedPointsBorrowerPaid\":-0.625,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-2294.49,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2294.49,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.625,\"borrowerPaidMinusCompDollarAmount\":-2294.494,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.625,\"amount\":-2294.49,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.020000000000000018,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.077,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2294.49,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2294.49,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.625,\"borrowerPaidAmount\":-2294.49,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3223.28,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":3223.28,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.625,\"finalQmClosingCosts\":-2294.49375,\"qmPercentage\":-0.625,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.625,\"discountPointsNoFees\":-0.625,\"originationCredit\":0.625,\"originationCreditNoFees\":0.625,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.51489,\"hti\":0.19492,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.75,\"monthlyPI\":-3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363888.27,\"totalInterest\":217623.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.67},{\"start\":180,\"end\":180,\"rate\":6.75,\"monthlyPI\":-3248.9,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3230.73,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3248.9}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3248.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":217641.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3248.67},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.818,\"rawBasePoints\":-1.974,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05700000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05700000000000005,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3248.67,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":3248.67,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.51642,\"hti\":0.19645,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":6.875,\"monthlyPI\":-3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363864.41,\"totalInterest\":222212.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3274.17},{\"start\":180,\"end\":180,\"rate\":6.875,\"monthlyPI\":-3273.24,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3254.59,\"totalInterest\":18.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3273.24}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3274.17,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":222230.67,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3274.17},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.068,\"rawBasePoints\":-2.157,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03200000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03200000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3274.17,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":3274.17,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.0,\"dti\":0.51796,\"hti\":0.19798,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.0,\"baseRates\":7.0,\"adjustedRates\":7.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.0,\"monthlyPI\":-3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363838.59,\"totalInterest\":226820.24,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.77},{\"start\":180,\"end\":180,\"rate\":7.0,\"monthlyPI\":-3299.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3280.41,\"totalInterest\":19.14,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3299.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3299.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":226839.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3299.77},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.193,\"rawBasePoints\":-2.358,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.0,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1080000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.1080000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.165,\"totalNoteRateAdjustment\":0.0},\"apr\":7.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3299.77,\"interestOnlyAmount\":2141.53,\"interestPlusFixedPrinciple\":3299.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.125,\"dti\":0.5195,\"hti\":0.19952,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.125,\"baseRates\":7.125,\"adjustedRates\":7.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.125,\"monthlyPI\":-3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363813.7,\"totalInterest\":231447.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3325.48},{\"start\":180,\"end\":180,\"rate\":7.125,\"monthlyPI\":-3324.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3305.3,\"totalInterest\":19.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3324.93}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3325.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":231466.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3325.48},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.443,\"rawBasePoints\":-2.549,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.125,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04899999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04899999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1059999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":7.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3325.48,\"interestOnlyAmount\":2179.77,\"interestPlusFixedPrinciple\":3325.48,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.25,\"dti\":0.52105,\"hti\":0.20107,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.25,\"baseRates\":7.25,\"adjustedRates\":7.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.25,\"monthlyPI\":-3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363786.84,\"totalInterest\":236094.07,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3351.29},{\"start\":180,\"end\":180,\"rate\":7.25,\"monthlyPI\":-3352.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3332.16,\"totalInterest\":20.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3352.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3351.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":236114.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3351.29},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.318,\"rawBasePoints\":-2.435,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.25,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06000000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06000000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.117,\"totalNoteRateAdjustment\":0.0},\"apr\":7.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3351.29,\"interestOnlyAmount\":2218.01,\"interestPlusFixedPrinciple\":3351.29,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.375,\"dti\":0.5226,\"hti\":0.20263,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":15,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.375,\"baseRates\":7.375,\"adjustedRates\":7.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":179,\"rate\":7.375,\"monthlyPI\":-3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363761.32,\"totalInterest\":240759.27,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3377.21},{\"start\":180,\"end\":180,\"rate\":7.375,\"monthlyPI\":-3378.32,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3357.68,\"totalInterest\":20.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3378.32}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3377.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":240779.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3377.21},\"multiSearchKey\":-571555646,\"multiSearchKeyV2\":-571555646,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.568,\"rawBasePoints\":-2.628,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.068,\"adjustmentPointsBorrowerPaid\":0.068,\"rawAdjustmentPoints\":0.068,\"rawAdjustmentPointsBorrowerPaid\":0.068,\"armIndexRate\":0.0,\"notRoundedAPR\":7.375,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.182,\"finalAdjustment\":-1.182,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"attributes\":[],\"key\":\"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.182,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-1.182,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0029999999999998916,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0029999999999998916,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05699999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05699999999999994,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0599999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":7.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea7ce8ad000014cf153\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697c63e4b075db33686505\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[15],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"15 Year Fixed HomeStyle\",\"displayName\":\"15 Year FixedFNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"15 Year FixedFNMA HomeStyle\",\"expired\":false,\"productName\":\"15 Year FixedFNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.5,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3377.21,\"interestOnlyAmount\":2256.25,\"interestPlusFixedPrinciple\":3377.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.375,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.375,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.068,\"totalGroupAdjustmentProperties\":0.068,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571555646,\"dayLock\":30},\"criteriaKey\":-571555646},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[5.5,5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875],\"monthlyPaymentMapByRate\":{\"5.625\":2551.35,\"5.75\":2577.48,\"5.875\":2603.75,\"5.99\":2628.04,\"6.0\":2630.15,\"6.25\":2683.38,\"6.125\":2656.7,\"6.375\":2710.19,\"6.5\":2737.14,\"5.5\":2525.36,\"6.625\":2764.22,\"6.75\":2791.44,\"6.875\":2818.79},\"data\":{\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.47305,\"hti\":0.15308,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":5.625,\"monthlyPI\":-2551.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364577.81,\"totalInterest\":245194.84,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2551.35},{\"start\":240,\"end\":240,\"rate\":5.625,\"monthlyPI\":-2553.1,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2541.19,\"totalInterest\":11.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2553.1}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2551.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":245206.75,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2551.35},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.627,\"rawBasePoints\":0.601,\"adjustedPoints\":0.0,\"adjustedPointsBorrowerPaid\":0.0,\"adjustmentPoints\":-1.627,\"adjustmentPointsBorrowerPaid\":-1.627,\"rawAdjustmentPoints\":-1.627,\"rawAdjustmentPointsBorrowerPaid\":-1.627,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":0.0,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.0,\"amount\":0.0,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":0.0,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.0,\"borrowerPaidMinusCompDollarAmount\":0.0,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.0,\"amount\":0.0,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.02400000000000002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.02400000000000002,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.002,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.002,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.026,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.026,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":0.0,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":0.0,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"6446df4d9f33961120257f52\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 20yr Fixed - Bal > 300k\",\"displayName\":\"FNMA 20yr Fixed - Bal > 300k\"},\"conditionActions\":[],\"programName\":\"FNMA 20yr Fixed - Bal > 300k\",\"expired\":true,\"productName\":\"20yr Fixed - Bal > 300k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.0,\"borrowerPaidAmount\":0.0,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2551.35,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":2551.35,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":0.0,\"qmPercentage\":0.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":0.0,\"discountPointsNoFees\":0.0,\"originationCredit\":0.0,\"originationCreditNoFees\":0.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.627,\"totalGroupAdjustmentProperties\":-1.627,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.47462,\"hti\":0.15465,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":5.75,\"monthlyPI\":-2577.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364552.94,\"totalInterest\":251464.78,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2577.48},{\"start\":240,\"end\":240,\"rate\":5.75,\"monthlyPI\":-2578.36,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2566.06,\"totalInterest\":12.3,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2578.36}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2577.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":251477.08,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2577.48},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.732,\"adjustedPoints\":-0.375,\"adjustedPointsBorrowerPaid\":-0.375,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.375,\"borrowerPaidMinusCompDollarAmount\":-1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.375,\"amount\":-1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.018000000000000016,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.018000000000000016,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.093,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.093,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63053dc3ce8ad000017b5e3d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH20\",\"displayName\":\"FHLMC Standard Agency 20 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 20 YR FIXED\",\"expired\":false,\"productName\":\"20 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.375,\"borrowerPaidAmount\":-1376.7,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2577.48,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":2577.48,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.375,\"finalQmClosingCosts\":-1376.69625,\"qmPercentage\":-0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.75,\"discountPoints\":-0.375,\"discountPointsNoFees\":-0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.4762,\"hti\":0.15622,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":5.875,\"monthlyPI\":-2603.75,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364528.11,\"totalInterest\":257768.14,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2603.75},{\"start\":240,\"end\":240,\"rate\":5.875,\"monthlyPI\":-2603.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2590.89,\"totalInterest\":12.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2603.57}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2603.75,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":257780.82,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2603.75},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.67,\"rawBasePoints\":-1.802,\"adjustedPoints\":-0.75,\"adjustedPointsBorrowerPaid\":-0.75,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-2753.39,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-2753.39,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.75,\"borrowerPaidMinusCompDollarAmount\":-2753.393,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.75,\"amount\":-2753.39,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.052000000000000046,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.052000000000000046,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07999999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07999999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.132,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.132,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-2753.39,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-2753.39,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a0\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20 YEAR FIXED CONFORMING\",\"displayName\":\"20 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"20 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"20 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.75,\"borrowerPaidAmount\":-2753.39,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2603.75,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":2603.75,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-0.75,\"finalQmClosingCosts\":-2753.3925,\"qmPercentage\":-0.75,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.75,\"discountPoints\":-0.75,\"discountPointsNoFees\":-0.75,\"originationCredit\":0.75,\"originationCreditNoFees\":0.75,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.47765,\"hti\":0.15768,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":5.99,\"monthlyPI\":-2628.04,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364505.51,\"totalInterest\":263596.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2628.04},{\"start\":240,\"end\":240,\"rate\":5.99,\"monthlyPI\":-2626.54,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2613.49,\"totalInterest\":13.05,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2626.54}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2628.04,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":263609.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2628.04},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.17,\"rawBasePoints\":-2.261,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010999999999999899,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010999999999999899,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.091,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.091,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a0\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20 YEAR FIXED CONFORMING\",\"displayName\":\"20 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"20 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"20 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2628.04,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":2628.04,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.75,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.47778,\"hti\":0.15781,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.0,\"monthlyPI\":-2630.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364499.85,\"totalInterest\":264106.0,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2630.15},{\"start\":240,\"end\":240,\"rate\":6.0,\"monthlyPI\":-2632.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2619.15,\"totalInterest\":13.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2632.25}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2630.15,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":264119.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2630.15},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.17,\"rawBasePoints\":-2.288,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038000000000000034,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038000000000000034,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.118,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.118,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a0\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20 YEAR FIXED CONFORMING\",\"displayName\":\"20 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"20 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"20 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2630.15,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":2630.15,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.75,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.48097,\"hti\":0.161,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.25,\"monthlyPI\":-2683.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364451.54,\"totalInterest\":276876.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2683.38},{\"start\":240,\"end\":240,\"rate\":6.25,\"monthlyPI\":-2681.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2667.46,\"totalInterest\":13.89,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2681.35}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2683.38,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":276890.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2683.38},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.42,\"rawBasePoints\":-2.553,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.052999999999999936,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.052999999999999936,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.133,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.133,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a0\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20 YEAR FIXED CONFORMING\",\"displayName\":\"20 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"20 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"20 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2683.38,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":2683.38,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.75,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.47937,\"hti\":0.1594,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.125,\"monthlyPI\":-2656.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364477.06,\"totalInterest\":270474.24,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2656.7},{\"start\":240,\"end\":240,\"rate\":6.125,\"monthlyPI\":-2655.42,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2641.94,\"totalInterest\":13.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2655.42}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2656.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":270487.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2656.7},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.127,\"rawBasePoints\":-0.915,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-1.627,\"adjustmentPointsBorrowerPaid\":-1.627,\"rawAdjustmentPoints\":-1.627,\"rawAdjustmentPointsBorrowerPaid\":-1.627,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.039999999999999994,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.039999999999999994,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0020000000000000018,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.042,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.042,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"6446df4d9f33961120257f52\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 20yr Fixed - Bal > 300k\",\"displayName\":\"FNMA 20yr Fixed - Bal > 300k\"},\"conditionActions\":[],\"programName\":\"FNMA 20yr Fixed - Bal > 300k\",\"expired\":true,\"productName\":\"20yr Fixed - Bal > 300k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2656.7,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":2656.7,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.627,\"totalGroupAdjustmentProperties\":-1.627,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.48258,\"hti\":0.16261,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.375,\"monthlyPI\":-2710.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364422.52,\"totalInterest\":283312.89,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2710.19},{\"start\":240,\"end\":240,\"rate\":6.375,\"monthlyPI\":-2710.81,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2696.48,\"totalInterest\":14.33,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2710.81}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2710.19,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":283327.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2710.19},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.839,\"rawBasePoints\":-2.986,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a38f5ce8ad0000119db8e\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":240,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 20 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 20 Yr Fixed\",\"expired\":true,\"productName\":\"20 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2710.19,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":2710.19,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.4842,\"hti\":0.16423,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.5,\"monthlyPI\":-2737.14,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364396.22,\"totalInterest\":289780.24,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2737.14},{\"start\":240,\"end\":240,\"rate\":6.5,\"monthlyPI\":-2737.53,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2722.78,\"totalInterest\":14.75,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2737.53}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2737.14,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":289794.99,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2737.14},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-2.014,\"rawBasePoints\":-3.21,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08499999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.196,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.196,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a36d0ce8ad0000119bef0\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":240,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"20yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 20 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 20 Yr Fixed\",\"expired\":true,\"productName\":\"20 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2737.14,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":2737.14,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.875,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.47149,\"hti\":0.15152,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":5.5,\"monthlyPI\":-2525.36,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364602.98,\"totalInterest\":238958.06,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2525.36},{\"start\":240,\"end\":240,\"rate\":5.5,\"monthlyPI\":-2527.55,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2516.02,\"totalInterest\":11.53,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2527.55}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2525.36,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":238969.59,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2525.36},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.127,\"rawBasePoints\":1.077,\"adjustedPoints\":0.5,\"adjustedPointsBorrowerPaid\":0.5,\"adjustmentPoints\":-1.627,\"adjustmentPointsBorrowerPaid\":-1.627,\"rawAdjustmentPoints\":-1.627,\"rawAdjustmentPointsBorrowerPaid\":-1.627,\"armIndexRate\":0.0,\"notRoundedAPR\":5.561,\"borrowerPaid\":1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.5,\"amount\":1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.5,\"borrowerPaidMinusCompDollarAmount\":1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.5,\"amount\":1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04800000000000004,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04800000000000004,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0020000000000000018,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.05,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.05,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5611,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"6446df4d9f33961120257f52\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 20yr Fixed - Bal > 300k\",\"displayName\":\"FNMA 20yr Fixed - Bal > 300k\"},\"conditionActions\":[],\"programName\":\"FNMA 20yr Fixed - Bal > 300k\",\"expired\":true,\"productName\":\"20yr Fixed - Bal > 300k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.5,\"borrowerPaidAmount\":1835.6,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2525.36,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":2525.36,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1835.595,\"qmPercentage\":0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":0.5,\"discountPointsNoFees\":0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.627,\"totalGroupAdjustmentProperties\":-1.627,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.48582,\"hti\":0.16585,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.625,\"monthlyPI\":-2764.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364367.93,\"totalInterest\":296280.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2764.22},{\"start\":240,\"end\":240,\"rate\":6.625,\"monthlyPI\":-2766.26,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2751.07,\"totalInterest\":15.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2766.26}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2764.22,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":296295.84,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2764.22},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.611,\"rawBasePoints\":-0.603,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.111,\"adjustmentPointsBorrowerPaid\":-2.111,\"rawAdjustmentPoints\":-2.111,\"rawAdjustmentPointsBorrowerPaid\":-2.111,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.10299999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.10299999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.214,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.214,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1a84cedfd0001d74ab7\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697c27e4b075db336841dc\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 20 Year Fixed\",\"displayName\":\"20 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"20 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"20 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2764.22,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":2764.22,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.875,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.111,\"totalGroupAdjustmentProperties\":-2.111,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.48746,\"hti\":0.16748,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.75,\"monthlyPI\":-2791.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364342.84,\"totalInterest\":302811.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2791.44},{\"start\":240,\"end\":240,\"rate\":6.75,\"monthlyPI\":-2791.78,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2776.16,\"totalInterest\":15.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2791.78}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2791.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":302826.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2791.44},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.736,\"rawBasePoints\":-0.424,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-2.111,\"adjustmentPointsBorrowerPaid\":-2.111,\"rawAdjustmentPoints\":-2.111,\"rawAdjustmentPointsBorrowerPaid\":-2.111,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.049000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.049000000000000044,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1600000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1600000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1a84cedfd0001d74ab7\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697c27e4b075db336841dc\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 20 Year Fixed\",\"displayName\":\"20 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"20 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"20 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2791.44,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":2791.44,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.875,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.111,\"totalGroupAdjustmentProperties\":-2.111,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.4891,\"hti\":0.16912,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":20,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":239,\"rate\":6.875,\"monthlyPI\":-2818.79,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364316.48,\"totalInterest\":309374.33,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2818.79},{\"start\":240,\"end\":240,\"rate\":6.875,\"monthlyPI\":-2818.58,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2802.52,\"totalInterest\":16.06,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2818.58}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2818.79,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":309390.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2818.79},\"multiSearchKey\":-570751289,\"multiSearchKeyV2\":-570751289,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.611,\"rawBasePoints\":-0.526,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.111,\"adjustmentPointsBorrowerPaid\":-2.111,\"rawAdjustmentPoints\":-2.111,\"rawAdjustmentPointsBorrowerPaid\":-2.111,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.026000000000000023,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.026000000000000023,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.137,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.137,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"57697b96e4b075db3367e32a\",\"name\":\"Conventional DU Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"57697c27e4b075db336841dc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[20],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming 20 Year Fixed\",\"displayName\":\"20 Year Fixed Conforming  FNMA DU\"},\"conditionActions\":[],\"programName\":\"20 Year Fixed Conforming  FNMA DU\",\"expired\":false,\"productName\":\"20 Year Fixed Conforming  FNMA DU\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":5.92,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2818.79,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":2818.79,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.0,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.0,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.111,\"totalGroupAdjustmentProperties\":-2.111,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_240\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-570751289,\"dayLock\":30},\"criteriaKey\":-570751289},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125],\"monthlyPaymentMapByRate\":{\"5.75\":2142.41,\"5.875\":2171.65,\"5.99\":2198.7,\"6.0\":2201.06,\"6.125\":2230.65,\"6.25\":2260.41,\"5.625\":2113.34,\"6.375\":2290.34,\"6.75\":2381.13,\"6.5\":2320.44,\"6.625\":2350.7,\"6.875\":2411.71,\"7.0\":2442.45,\"7.125\":2473.35},\"data\":{\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.44852,\"hti\":0.12854,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":5.75,\"monthlyPI\":-2142.41,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364989.53,\"totalInterest\":404135.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2142.41},{\"start\":360,\"end\":360,\"rate\":5.75,\"monthlyPI\":-2139.67,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2129.47,\"totalInterest\":10.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2139.67}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2142.41,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":404145.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2142.41},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.752,\"rawBasePoints\":0.629,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.627,\"adjustmentPointsBorrowerPaid\":-1.627,\"rawAdjustmentPoints\":-1.627,\"rawAdjustmentPointsBorrowerPaid\":-1.627,\"armIndexRate\":0.0,\"notRoundedAPR\":5.762,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"5cdc1a914cedfd000144cbd9\",\"name\":\"SRPs - Conventional With Escrow\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.627,\"finalAdjustment\":-1.627,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"5cdc0eb74cedfd0001274aeb\",\"attributes\":[],\"key\":\"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-1.627,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-1.627,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.121,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.121,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0020000000000000018,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0020000000000000018,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.123,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.123,\"totalNoteRateAdjustment\":0.0},\"apr\":5.7615,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557d43bce8ad0000131f833\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"634d909cce8ad00001a9e5c7\",\"createdFromRatePeriodValidAs\":\"2026-02-05T02:06:30.152Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"56c6396ae4b0a1df36686146\",\"showCompanyName\":true,\"createdFromCompanyName\":\"AmeriHome Mortgage Company, LLC\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 2\",\"rateValidDate\":\"2025-09-03T14:50:07.163Z\",\"rateEndDate\":\"2025-09-03T14:50:07.163Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"56c6396ae4b0a1df36686146\",\"allowModifiedDate\":true,\"name\":\"AmeriHome Mortgage Company, LLC\",\"shortName\":\"AmeriHome Mortgage Company, LLC\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"135776\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"AAA Lendings FTP\":\"RateSheet.xlsx\"}},\"name\":\"Amerihome InstaMortgage Ratesheet\",\"validAsOf\":\"2026-02-05T02:06:36.387Z\",\"fileKeyForAutoImport\":\"InstaMortgage FTP\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"5da498134cedfd0001371430\",\"name\":\"FNMA FRM Conventional\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"68acac81ae53c9e3767c1a3c\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA 25/30yr Fixed - 350k < Bal <= 375k\",\"displayName\":\"FNMA 30yr Fixed - 350k < Bal <= 375k\"},\"conditionActions\":[],\"programName\":\"FNMA 30yr Fixed - 350k < Bal <= 375k\",\"expired\":true,\"productName\":\"30yr Fixed - 350k < Bal <= 375k\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2142.41,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":2142.41,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 2\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.875,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.627,\"totalGroupAdjustmentProperties\":-1.627,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.45027,\"hti\":0.1303,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":5.875,\"monthlyPI\":-2171.65,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364960.47,\"totalInterest\":414661.88,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2171.65},{\"start\":360,\"end\":360,\"rate\":5.875,\"monthlyPI\":-2169.1,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2158.53,\"totalInterest\":10.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2169.1}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2171.65,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":414672.45,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2171.65},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.7,\"rawBasePoints\":0.576,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04899999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04899999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1239999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1239999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2171.65,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":2171.65,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.45189,\"hti\":0.13192,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":5.99,\"monthlyPI\":-2198.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364927.2,\"totalInterest\":424406.1,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2198.7},{\"start\":360,\"end\":360,\"rate\":5.99,\"monthlyPI\":-2202.74,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2191.8,\"totalInterest\":10.94,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2202.74}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2198.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":424417.04,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2198.7},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.2,\"rawBasePoints\":0.1,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.02499999999999991,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.02499999999999991,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0999999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0999999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2198.7,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":2198.7,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.45203,\"hti\":0.13206,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.0,\"monthlyPI\":-2201.06,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364925.13,\"totalInterest\":425255.41,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2201.06},{\"start\":360,\"end\":360,\"rate\":6.0,\"monthlyPI\":-2204.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2193.87,\"totalInterest\":10.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2204.84}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2201.06,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":425266.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2201.06},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.2,\"rawBasePoints\":0.058,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06699999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06699999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.142,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2201.06,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":2201.06,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.45381,\"hti\":0.13384,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.125,\"monthlyPI\":-2230.65,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364895.73,\"totalInterest\":435907.62,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2230.65},{\"start\":360,\"end\":360,\"rate\":6.125,\"monthlyPI\":-2234.62,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2223.27,\"totalInterest\":11.35,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2234.62}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2230.65,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":435918.97,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2230.65},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.7,\"rawBasePoints\":-0.431,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05600000000000005,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.05600000000000005,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.131,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.131,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2230.65,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":2230.65,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.4556,\"hti\":0.13562,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.25,\"monthlyPI\":-2260.41,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364865.81,\"totalInterest\":446621.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2260.41},{\"start\":360,\"end\":360,\"rate\":6.25,\"monthlyPI\":-2264.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2253.19,\"totalInterest\":11.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2264.93}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2260.41,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":446633.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2260.41},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.7,\"rawBasePoints\":-0.39,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.015000000000000013,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.015000000000000013,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.09,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.09,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2260.41,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":2260.41,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.44677,\"hti\":0.1268,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":5.625,\"monthlyPI\":-2113.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-365011.85,\"totalInterest\":393677.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2113.34},{\"start\":360,\"end\":360,\"rate\":5.625,\"monthlyPI\":-2117.03,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2107.15,\"totalInterest\":9.88,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2117.03}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2113.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":393687.09,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2113.34},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.575,\"rawBasePoints\":1.434,\"adjustedPoints\":0.375,\"adjustedPointsBorrowerPaid\":0.375,\"adjustmentPoints\":-2.2,\"adjustmentPointsBorrowerPaid\":-2.2,\"rawAdjustmentPoints\":-2.2,\"rawAdjustmentPointsBorrowerPaid\":-2.2,\"armIndexRate\":0.0,\"notRoundedAPR\":5.659,\"borrowerPaid\":1376.7,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":1376.7,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.375,\"borrowerPaidMinusCompDollarAmount\":1376.696,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.375,\"amount\":1376.7,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.2,\"finalAdjustment\":-2.2,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.0,\"finalAdjustment\":0.0,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.06599999999999984,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.06599999999999984,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1409999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1409999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":5.6593,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":1376.7,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":1376.7,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df699ce8ad00001084f7a\",\"name\":\"FANNIE MAE 30 YR\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5f8df6e4ce8ad0000109432d\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA30\",\"displayName\":\"FNMA Standard Agency 30 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 30 YR FIXED\",\"expired\":false,\"productName\":\"30 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.375,\"borrowerPaidAmount\":1376.7,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2113.34,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":2113.34,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":1376.69625,\"qmPercentage\":0.375,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.875,\"startedAdjustedPrice\":-0.5,\"undiscountedRate\":5.875,\"discountPoints\":0.375,\"discountPointsNoFees\":0.375,\"originationCredit\":0.375,\"originationCreditNoFees\":0.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.2,\"totalGroupAdjustmentProperties\":-2.2,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.45739,\"hti\":0.13742,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.375,\"monthlyPI\":-2290.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364835.68,\"totalInterest\":457396.38,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2290.34},{\"start\":360,\"end\":360,\"rate\":6.375,\"monthlyPI\":-2295.45,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2283.32,\"totalInterest\":12.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2295.45}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2290.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":457408.51,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2290.34},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.889,\"rawBasePoints\":-3.071,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07100000000000017,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07100000000000017,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1820000000000002,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1820000000000002,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a352bce8ad0000119af36\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":360,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30/25yr Fixed P&I Conforming- FNMA\",\"displayName\":\"FNMA Conforming 30 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 30 Yr Fixed\",\"expired\":true,\"productName\":\"30 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2290.34,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":2290.34,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.99,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.99,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.75,\"dti\":0.46284,\"hti\":0.14286,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.75,\"baseRates\":6.75,\"adjustedRates\":6.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.75,\"monthlyPI\":-2381.13,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364754.6,\"totalInterest\":490071.07,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2381.13},{\"start\":360,\"end\":360,\"rate\":6.75,\"monthlyPI\":-2377.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2364.4,\"totalInterest\":13.3,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2377.7}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2381.13,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":490084.37,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2381.13},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.964,\"rawBasePoints\":-3.12,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.75,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1200000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.1200000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1560000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a3847ce8ad0000119d9cb\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":360,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30/25yr Fixed P&I Conforming- FHLMC\",\"displayName\":\"FHLMC Conforming 30 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 30 Yr Fixed\",\"expired\":true,\"productName\":\"30 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2381.13,\"interestOnlyAmount\":2065.04,\"interestPlusFixedPrinciple\":2381.13,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.99,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":5.99,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.4592,\"hti\":0.13922,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.5,\"monthlyPI\":-2320.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364808.94,\"totalInterest\":468229.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2320.44},{\"start\":360,\"end\":360,\"rate\":6.5,\"monthlyPI\":-2322.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2310.06,\"totalInterest\":12.51,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2322.57}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2320.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":468241.53,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2320.44},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.611,\"rawBasePoints\":-0.509,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-2.111,\"adjustmentPointsBorrowerPaid\":-2.111,\"rawAdjustmentPoints\":-2.111,\"rawAdjustmentPointsBorrowerPaid\":-2.111,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.009000000000000008,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.009000000000000008,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.12,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.12,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929807ce8ad00001fdc11b\",\"name\":\"Conventional LP Products (SRP Not Included)\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"5ab2b1a04cedfd0001d747ef\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":\"57697b9de4b075db3367f6c8\",\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"Conforming LP 30/25 Year Fixed\",\"displayName\":\"30 Year Fixed Conforming FHLMC LP\"},\"conditionActions\":[],\"programName\":\"30 Year Fixed Conforming FHLMC LP\",\"expired\":false,\"productName\":\"30 Year Fixed Conforming FHLMC LP\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2320.44,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":2320.44,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.0,\"startedAdjustedPrice\":-0.375,\"undiscountedRate\":6.0,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-2.111,\"totalGroupAdjustmentProperties\":-2.111,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.46101,\"hti\":0.14104,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.625,\"monthlyPI\":-2350.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364777.52,\"totalInterest\":479123.78,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2350.7},{\"start\":360,\"end\":360,\"rate\":6.625,\"monthlyPI\":-2354.41,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2341.48,\"totalInterest\":12.93,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2354.41}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2350.7,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":479136.71,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2350.7},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.361,\"rawBasePoints\":-0.795,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":-0.861,\"adjustmentPointsBorrowerPaid\":-0.861,\"rawAdjustmentPoints\":-0.861,\"rawAdjustmentPointsBorrowerPaid\":-0.861,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04500000000000001,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea5ce8ad000014cd6dc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697b9de4b075db3367f6c8\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30 Year Fixed HomeStyle\",\"displayName\":\"30 Year Fixed FNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"30 Year Fixed FNMA HomeStyle\",\"expired\":false,\"productName\":\"30 Year Fixed FNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2350.7,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":2350.7,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.5,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.861,\"totalGroupAdjustmentProperties\":-0.861,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.875,\"dti\":0.46467,\"hti\":0.1447,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.875,\"baseRates\":6.875,\"adjustedRates\":6.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":6.875,\"monthlyPI\":-2411.71,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364720.32,\"totalInterest\":501083.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2411.71},{\"start\":360,\"end\":360,\"rate\":6.875,\"monthlyPI\":-2412.42,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2398.68,\"totalInterest\":13.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2412.42}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2411.71,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":501097.31,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2411.71},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.014,\"rawBasePoints\":-1.189,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-0.861,\"adjustmentPointsBorrowerPaid\":-0.861,\"rawAdjustmentPoints\":-0.861,\"rawAdjustmentPointsBorrowerPaid\":-0.861,\"armIndexRate\":0.0,\"notRoundedAPR\":6.875,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.175,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.175,\"totalNoteRateAdjustment\":0.0},\"apr\":6.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea5ce8ad000014cd6dc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697b9de4b075db3367f6c8\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30 Year Fixed HomeStyle\",\"displayName\":\"30 Year Fixed FNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"30 Year Fixed FNMA HomeStyle\",\"expired\":false,\"productName\":\"30 Year Fixed FNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2411.71,\"interestOnlyAmount\":2103.29,\"interestPlusFixedPrinciple\":2411.71,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.5,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.861,\"totalGroupAdjustmentProperties\":-0.861,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.0,\"dti\":0.46652,\"hti\":0.14654,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.0,\"baseRates\":7.0,\"adjustedRates\":7.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":7.0,\"monthlyPI\":-2442.45,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364688.52,\"totalInterest\":512151.03,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2442.45},{\"start\":360,\"end\":360,\"rate\":7.0,\"monthlyPI\":-2444.66,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2430.48,\"totalInterest\":14.18,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2444.66}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2442.45,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":512165.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2442.45},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.264,\"rawBasePoints\":-1.494,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.861,\"adjustmentPointsBorrowerPaid\":-0.861,\"rawAdjustmentPoints\":-0.861,\"rawAdjustmentPointsBorrowerPaid\":-0.861,\"armIndexRate\":0.0,\"notRoundedAPR\":7.0,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.119,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.119,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.23,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.23,\"totalNoteRateAdjustment\":0.0},\"apr\":7.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea5ce8ad000014cd6dc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697b9de4b075db3367f6c8\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30 Year Fixed HomeStyle\",\"displayName\":\"30 Year Fixed FNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"30 Year Fixed FNMA HomeStyle\",\"expired\":false,\"productName\":\"30 Year Fixed FNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2442.45,\"interestOnlyAmount\":2141.53,\"interestPlusFixedPrinciple\":2442.45,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.5,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.861,\"totalGroupAdjustmentProperties\":-0.861,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"7.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":7.125,\"dti\":0.46837,\"hti\":0.1484,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":30,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":7.125,\"baseRates\":7.125,\"adjustedRates\":7.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":359,\"rate\":7.125,\"monthlyPI\":-2473.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-364661.81,\"totalInterest\":523270.84,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2473.35},{\"start\":360,\"end\":360,\"rate\":7.125,\"monthlyPI\":-2471.78,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-2457.19,\"totalInterest\":14.59,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-2471.78}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":2473.35,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":523285.43,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":2473.35},\"multiSearchKey\":-569768186,\"multiSearchKeyV2\":-569768186,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-0.639,\"rawBasePoints\":-1.785,\"adjustedPoints\":-1.5,\"adjustedPointsBorrowerPaid\":-1.5,\"adjustmentPoints\":-0.861,\"adjustmentPointsBorrowerPaid\":-0.861,\"rawAdjustmentPoints\":-0.861,\"rawAdjustmentPointsBorrowerPaid\":-0.861,\"armIndexRate\":0.0,\"notRoundedAPR\":7.125,\"borrowerPaid\":-5506.79,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5506.79,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.5,\"borrowerPaidMinusCompDollarAmount\":-5506.785,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.5,\"amount\":-5506.79,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"name\":\"Adj - FNMA HomeStyle\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":1.25,\"finalAdjustment\":1.25,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092ce97ce8ad00001381cfe\",\"attributes\":[],\"key\":\"Homestyle\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.25,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":1.25,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6092d5a7ce8ad00001e2b45f\",\"name\":\"SRP - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-2.111,\"finalAdjustment\":-2.111,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6092d5a6ce8ad00001e295fa\",\"attributes\":[],\"key\":\"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"MSR\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.111,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"msr\":-2.111,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03500000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03500000000000003,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1460000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1460000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":7.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":true,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5506.79,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5506.79,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"67a630dbce8ad000014af57b\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"609302d1ce8ad00001c757c9\",\"createdFromRatePeriodValidAs\":\"2026-02-04T14:38:01.617Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"57696b68e4b075db3359703e\",\"showCompanyName\":true,\"createdFromCompanyName\":\"The Money Source\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 9\",\"rateValidDate\":\"2026-02-04T14:38:06.549Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"57696b68e4b075db3359703e\",\"allowModifiedDate\":true,\"name\":\"The Money Source (TMS)\",\"shortName\":\"The Money Source (TMS)\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"6289\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"TMS Non-QM\":\"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx\",\"TMS Corr Q1_xlsx\":\"TMS Corr Rate Sheet Q1 2-4-2026.xlsx\"}},\"name\":\"TMS Correspondent - U1\",\"validAsOf\":\"2026-02-04T14:38:06.549Z\",\"fileKeyForAutoImport\":\"TMS Corr U1_xlsx\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"60929e7bce8ad00001497830\",\"name\":\"HomeStyle Program\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"60929ea5ce8ad000014cd6dc\",\"closingDays\":[15,30,45,60],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":true,\"rateGridFrom\":\"57697b9de4b075db3367f6c8\",\"rateGridFromName\":\"Conforming\",\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"HomeStyle\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\"],\"terms\":[30],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"30 Year Fixed HomeStyle\",\"displayName\":\"30 Year Fixed FNMA HomeStyle\"},\"conditionActions\":[],\"programName\":\"30 Year Fixed FNMA HomeStyle\",\"expired\":false,\"productName\":\"30 Year Fixed FNMA HomeStyle\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.5,\"borrowerPaidAmount\":-5506.79,\"sameServiceIndicator\":false,\"apor\":6.06,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":2473.35,\"interestOnlyAmount\":2179.77,\"interestPlusFixedPrinciple\":2473.35,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":7.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 9\",\"finalQmPercentage\":-1.5,\"finalQmClosingCosts\":-5506.785,\"qmPercentage\":-1.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.5,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.5,\"discountPoints\":-1.5,\"discountPointsNoFees\":-1.5,\"originationCredit\":1.5,\"originationCreditNoFees\":1.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.861,\"totalGroupAdjustmentProperties\":-0.861,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_360\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-569768186,\"dayLock\":30},\"criteriaKey\":-569768186},{\"resultRates\":{\"allowModifiedDate\":true,\"dayLock\":30,\"disqualifyCount\":0,\"dayLocksList\":[],\"rateSet\":[4.99,5.0,5.125,5.25,5.375,5.49,5.5,5.625,5.75,5.875,5.99,6.0,6.125,6.25,6.375,6.49,6.5,6.625],\"monthlyPaymentMapByRate\":{\"5.25\":3938.88,\"5.375\":3961.51,\"5.5\":3984.21,\"5.625\":4006.98,\"5.75\":4029.84,\"5.875\":4052.77,\"5.99\":4073.93,\"6.0\":4075.77,\"4.99\":3892.07,\"5.0\":3893.87,\"5.125\":3916.34,\"5.49\":3982.39,\"6.125\":4098.86,\"6.25\":4122.02,\"6.375\":4145.25,\"6.49\":4166.69,\"6.5\":4168.56,\"6.625\":4191.95},\"data\":{\"5.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.25,\"dti\":0.5563,\"hti\":0.23633,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.25,\"baseRates\":5.25,\"adjustedRates\":5.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.25,\"monthlyPI\":-3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363197.0,\"totalInterest\":105529.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3938.88},{\"start\":120,\"end\":120,\"rate\":5.25,\"monthlyPI\":-3939.16,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3922.0,\"totalInterest\":17.16,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3939.16}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3938.88,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":105546.88,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3938.88},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.7,\"rawBasePoints\":0.615,\"adjustedPoints\":-0.25,\"adjustedPointsBorrowerPaid\":-0.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.25,\"borrowerPaid\":-917.8,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-917.8,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.25,\"borrowerPaidMinusCompDollarAmount\":-917.798,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.25,\"amount\":-917.8,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.010000000000000009,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.010000000000000009,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.085,\"totalNoteRateAdjustment\":0.0},\"apr\":5.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-917.8,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-917.8,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.25,\"borrowerPaidAmount\":-917.8,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3938.88,\"interestOnlyAmount\":1606.15,\"interestPlusFixedPrinciple\":3938.88,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.25,\"finalQmClosingCosts\":-917.7975,\"qmPercentage\":-0.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.25,\"discountPointsNoFees\":-0.25,\"originationCredit\":0.25,\"originationCreditNoFees\":0.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.375,\"dti\":0.55766,\"hti\":0.23769,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.375,\"baseRates\":5.375,\"adjustedRates\":5.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.375,\"monthlyPI\":-3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363175.87,\"totalInterest\":108243.82,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3961.51},{\"start\":120,\"end\":120,\"rate\":5.375,\"monthlyPI\":-3960.79,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3943.13,\"totalInterest\":17.66,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3960.79}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3961.51,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":108261.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3961.51},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.45,\"rawBasePoints\":0.3,\"adjustedPoints\":-0.5,\"adjustedPointsBorrowerPaid\":-0.5,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.375,\"borrowerPaid\":-1835.6,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-1835.6,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.5,\"borrowerPaidMinusCompDollarAmount\":-1835.595,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.5,\"amount\":-1835.6,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.15,\"totalNoteRateAdjustment\":0.0},\"apr\":5.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-1835.6,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-1835.6,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.5,\"borrowerPaidAmount\":-1835.6,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3961.51,\"interestOnlyAmount\":1644.39,\"interestPlusFixedPrinciple\":3961.51,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.5,\"finalQmClosingCosts\":-1835.595,\"qmPercentage\":-0.5,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.5,\"discountPointsNoFees\":-0.5,\"originationCredit\":0.5,\"originationCreditNoFees\":0.5,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.5,\"dti\":0.55902,\"hti\":0.23905,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.5,\"baseRates\":5.5,\"adjustedRates\":5.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.5,\"monthlyPI\":-3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363153.6,\"totalInterest\":110967.39,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3984.21},{\"start\":120,\"end\":120,\"rate\":5.5,\"monthlyPI\":-3983.57,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3965.4,\"totalInterest\":18.17,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3983.57}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3984.21,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110985.56,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3984.21},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.099,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.5,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.09899999999999998,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.09899999999999998,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.174,\"totalNoteRateAdjustment\":0.0},\"apr\":5.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3984.21,\"interestOnlyAmount\":1682.63,\"interestPlusFixedPrinciple\":3984.21,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.625,\"dti\":0.56039,\"hti\":0.24041,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.625,\"baseRates\":5.625,\"adjustedRates\":5.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.625,\"monthlyPI\":-4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363130.3,\"totalInterest\":113700.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4006.98},{\"start\":120,\"end\":120,\"rate\":5.625,\"monthlyPI\":-4007.4,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3988.7,\"totalInterest\":18.7,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4007.4}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4006.98,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":113719.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4006.98},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.7,\"rawBasePoints\":-0.456,\"adjustedPoints\":-1.25,\"adjustedPointsBorrowerPaid\":-1.25,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.625,\"borrowerPaid\":-4588.99,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4588.99,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.25,\"borrowerPaidMinusCompDollarAmount\":-4588.988,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.25,\"amount\":-4588.99,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08099999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08099999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.156,\"totalNoteRateAdjustment\":0.0},\"apr\":5.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4588.99,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4588.99,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.25,\"borrowerPaidAmount\":-4588.99,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4006.98,\"interestOnlyAmount\":1720.87,\"interestPlusFixedPrinciple\":4006.98,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.25,\"finalQmClosingCosts\":-4588.9875,\"qmPercentage\":-1.25,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.25,\"discountPointsNoFees\":-1.25,\"originationCredit\":1.25,\"originationCreditNoFees\":1.25,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.75\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.75,\"dti\":0.56176,\"hti\":0.24179,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.75,\"baseRates\":5.75,\"adjustedRates\":5.75,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.75,\"monthlyPI\":-4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363108.95,\"totalInterest\":116442.01,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.84},{\"start\":120,\"end\":120,\"rate\":5.75,\"monthlyPI\":-4029.26,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4010.05,\"totalInterest\":19.21,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4029.26}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4029.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":116461.22,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4029.84},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.825,\"rawBasePoints\":-0.334,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.75,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08399999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08399999999999996,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.159,\"totalNoteRateAdjustment\":0.0},\"apr\":5.75,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4029.84,\"interestOnlyAmount\":1759.11,\"interestPlusFixedPrinciple\":4029.84,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.75,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.875\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.875,\"dti\":0.56313,\"hti\":0.24316,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.875,\"baseRates\":5.875,\"adjustedRates\":5.875,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.875,\"monthlyPI\":-4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363086.51,\"totalInterest\":119193.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.77},{\"start\":120,\"end\":120,\"rate\":5.875,\"monthlyPI\":-4052.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4032.49,\"totalInterest\":19.74,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4052.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4052.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":119212.86,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4052.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":0.575,\"rawBasePoints\":-0.624,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.875,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.124,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.124,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.199,\"totalNoteRateAdjustment\":0.0},\"apr\":5.875,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4052.77,\"interestOnlyAmount\":1797.35,\"interestPlusFixedPrinciple\":4052.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.875,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.99,\"dti\":0.5644,\"hti\":0.24443,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.99,\"baseRates\":5.99,\"adjustedRates\":5.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.99,\"monthlyPI\":-4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363065.27,\"totalInterest\":121732.4,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.93},{\"start\":120,\"end\":120,\"rate\":5.99,\"monthlyPI\":-4073.96,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4053.73,\"totalInterest\":20.23,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4073.96}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4073.93,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121752.63,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4073.93},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.446,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":5.99,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07099999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07099999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.151,\"totalNoteRateAdjustment\":0.0},\"apr\":5.99,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a2\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 YEAR FIXED CONFORMING\",\"displayName\":\"10 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"10 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4073.93,\"interestOnlyAmount\":1832.54,\"interestPlusFixedPrinciple\":4073.93,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.0,\"dti\":0.56451,\"hti\":0.24454,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.0,\"baseRates\":6.0,\"adjustedRates\":6.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.0,\"monthlyPI\":-4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363062.99,\"totalInterest\":121953.64,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4075.77},{\"start\":120,\"end\":120,\"rate\":6.0,\"monthlyPI\":-4076.29,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4056.01,\"totalInterest\":20.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4076.29}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4075.77,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":121973.92,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4075.77},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.295,\"rawBasePoints\":-2.459,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.08,\"adjustmentPointsBorrowerPaid\":-0.08,\"rawAdjustmentPoints\":-0.08,\"rawAdjustmentPointsBorrowerPaid\":-0.08,\"armIndexRate\":0.0,\"notRoundedAPR\":6.0,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"696a68663fe33500012448df\",\"name\":\"Adjustments - Agency\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.08,\"finalAdjustment\":-0.08,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"6525605ace8ad00001c27559\",\"attributes\":[],\"key\":\"States: Zone 1\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.1,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.1,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"65b133a2ce8ad0000131ff1c\",\"attributes\":[],\"key\":\"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %\",\"adjType\":\"FicoRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.18,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.18,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.5,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08400000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08400000000000007,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08000000000000007,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08000000000000007,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1640000000000001,\"totalNoteRateAdjustment\":0.0},\"apr\":6.0,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"6557cf91ce8ad000012b25b3\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"62d08ef0ce8ad000017377ca\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:14:18.221Z\",\"parentRateOrCompanyInvalid\":true,\"createdFromCompanyId\":\"54dea1b2d4c64e3258c07e12\",\"showCompanyName\":true,\"createdFromCompanyName\":\"NewRez\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"limitCode\":\"\",\"customDisplayLenderName\":\"InstaMortgage 5\",\"rateValidDate\":\"2025-09-09T14:59:17.583Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"54dea1b2d4c64e3258c07e12\",\"allowModifiedDate\":true,\"name\":\"Newrez, LLC Correspondent\",\"shortName\":\"Newrez, LLC Correspondent\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"3013\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"CorrespondentMrCharles (CL07)\":\"CL07 (70).xls\"}},\"name\":\"Newrez Delegated Corr CL01\",\"validAsOf\":\"2026-02-04T15:18:11.793Z\",\"fileKeyForAutoImport\":\"CL01\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"55600153e4b0cf20a341f59d\",\"name\":\"Fannie/Freddie Fixed\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"55600153e4b0cf20a341f5a2\",\"closingDays\":[15,30,45,60,75,90],\"maxCompensation\":-7.5,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"Construction\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10 YEAR FIXED CONFORMING\",\"displayName\":\"10 Yr Fannie Fixed\"},\"conditionActions\":[],\"programName\":\"10 Yr Fannie Fixed\",\"expired\":false,\"productName\":\"10 Yr Fannie Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4075.77,\"interestOnlyAmount\":1835.6,\"interestPlusFixedPrinciple\":4075.77,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 5\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.375,\"startedAdjustedPrice\":-0.25,\"undiscountedRate\":5.375,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.08,\"totalGroupAdjustmentProperties\":-0.08,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"4.99\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":4.99,\"dti\":0.55349,\"hti\":0.23352,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":4.99,\"baseRates\":4.99,\"adjustedRates\":4.99,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":4.99,\"monthlyPI\":-3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363242.64,\"totalInterest\":99913.69,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.07},{\"start\":120,\"end\":120,\"rate\":4.99,\"monthlyPI\":-3892.48,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3876.36,\"totalInterest\":16.12,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3892.48}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3892.07,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":99929.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3892.07},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.987,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.017,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.0129999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.0129999999999999,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0879999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0171,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3892.07,\"interestOnlyAmount\":1526.6,\"interestPlusFixedPrinciple\":3892.07,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":4.99,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.0\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.0,\"dti\":0.5536,\"hti\":0.23363,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.0,\"baseRates\":5.0,\"adjustedRates\":5.0,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.0,\"monthlyPI\":-3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363241.81,\"totalInterest\":100128.72,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.87},{\"start\":120,\"end\":120,\"rate\":5.0,\"monthlyPI\":-3893.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3877.19,\"totalInterest\":16.15,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3893.34}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3893.87,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":100144.87,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3893.87},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":2.075,\"rawBasePoints\":0.957,\"adjustedPoints\":0.125,\"adjustedPointsBorrowerPaid\":0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.027,\"borrowerPaid\":458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":0.125,\"borrowerPaidMinusCompDollarAmount\":458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":0.125,\"amount\":458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.04299999999999993,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.04299999999999993,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.075,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.075,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1179999999999999,\"totalNoteRateAdjustment\":0.0},\"apr\":5.0271,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":0.125,\"borrowerPaidAmount\":458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3893.87,\"interestOnlyAmount\":1529.66,\"interestPlusFixedPrinciple\":3893.87,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.0,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":0.0,\"finalQmClosingCosts\":458.89875,\"qmPercentage\":0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":0.125,\"discountPointsNoFees\":0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.125,\"dti\":0.55495,\"hti\":0.23498,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.125,\"baseRates\":5.125,\"adjustedRates\":5.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.125,\"monthlyPI\":-3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363219.91,\"totalInterest\":102824.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3916.34},{\"start\":120,\"end\":120,\"rate\":5.125,\"monthlyPI\":-3915.74,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3899.09,\"totalInterest\":16.65,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3915.74}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3916.34,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":102841.2,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3916.34},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.825,\"rawBasePoints\":0.749,\"adjustedPoints\":-0.125,\"adjustedPointsBorrowerPaid\":-0.125,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.125,\"borrowerPaid\":-458.9,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-458.9,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.125,\"borrowerPaidMinusCompDollarAmount\":-458.899,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.125,\"amount\":-458.9,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":9.999999999998899E-4,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":9.999999999998899E-4,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07500000000000001,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07500000000000001,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.0759999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":5.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-458.9,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-458.9,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.125,\"borrowerPaidAmount\":-458.9,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3916.34,\"interestOnlyAmount\":1567.9,\"interestPlusFixedPrinciple\":3916.34,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.125,\"finalQmClosingCosts\":-458.89875,\"qmPercentage\":-0.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.125,\"discountPointsNoFees\":-0.125,\"originationCredit\":0.125,\"originationCreditNoFees\":0.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"5.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":5.49,\"dti\":0.55891,\"hti\":0.23894,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":5.49,\"baseRates\":5.49,\"adjustedRates\":5.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":5.49,\"monthlyPI\":-3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363155.22,\"totalInterest\":110749.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3982.39},{\"start\":120,\"end\":120,\"rate\":5.49,\"monthlyPI\":-3981.91,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-3963.78,\"totalInterest\":18.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-3981.91}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":3982.39,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":110767.32,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":3982.39},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":1.075,\"rawBasePoints\":-0.072,\"adjustedPoints\":-0.875,\"adjustedPointsBorrowerPaid\":-0.875,\"adjustmentPoints\":-1.95,\"adjustmentPointsBorrowerPaid\":-1.95,\"rawAdjustmentPoints\":-1.95,\"rawAdjustmentPointsBorrowerPaid\":-1.95,\"armIndexRate\":0.0,\"notRoundedAPR\":5.49,\"borrowerPaid\":-3212.29,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-3212.29,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-0.875,\"borrowerPaidMinusCompDollarAmount\":-3212.291,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)\",\"points\":-0.875,\"amount\":-3212.29,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"61085f6cce8ad00001491736\",\"name\":\"SRP - Conventional Fixed\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-1.9,\"finalAdjustment\":-1.9,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"58923f5ce4b088b12396ec71\",\"attributes\":[],\"key\":\"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-2.2,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-2.2,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"61085f6cce8ad00001491736\",\"attributes\":[],\"key\":\"SRP Conventional Fixed<20 Yrs\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.3,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.3,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07199999999999995,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07199999999999995,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.07499999999999996,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.07499999999999996,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.147,\"totalNoteRateAdjustment\":0.0},\"apr\":5.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3212.29,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3212.29,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df1a2ce8ad00001e18c82\",\"name\":\"FREDDIE MAC OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63066abfce8ad00001956d31\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"CFH10\",\"displayName\":\"FHLMC Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FHLMC Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-0.875,\"borrowerPaidAmount\":-3212.29,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":3982.39,\"interestOnlyAmount\":1679.57,\"interestPlusFixedPrinciple\":3982.39,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":5.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-0.8750000000000001,\"finalQmClosingCosts\":-3212.29125,\"qmPercentage\":-0.8750000000000001,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.125,\"discountPoints\":-0.875,\"discountPointsNoFees\":-0.875,\"originationCredit\":0.875,\"originationCreditNoFees\":0.875,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-1.95,\"totalGroupAdjustmentProperties\":-1.95,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.125\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.125,\"dti\":0.5659,\"hti\":0.24593,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.125,\"baseRates\":6.125,\"adjustedRates\":6.125,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.125,\"monthlyPI\":-4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363041.58,\"totalInterest\":124722.76,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.86},{\"start\":120,\"end\":120,\"rate\":6.125,\"monthlyPI\":-4098.23,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4077.42,\"totalInterest\":20.81,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4098.23}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4098.86,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":124743.57,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4098.86},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.464,\"rawBasePoints\":-2.552,\"adjustedPoints\":-1.0,\"adjustedPointsBorrowerPaid\":-1.0,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.125,\"borrowerPaid\":-3671.19,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-3671.19,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.0,\"borrowerPaidMinusCompDollarAmount\":-3671.19,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.0,\"amount\":-3671.19,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.052000000000000046,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.052000000000000046,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.088,\"totalNoteRateAdjustment\":0.0},\"apr\":6.125,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-3671.19,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-3671.19,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.0,\"borrowerPaidAmount\":-3671.19,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4098.86,\"interestOnlyAmount\":1873.84,\"interestPlusFixedPrinciple\":4098.86,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.125,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.0,\"finalQmClosingCosts\":-3671.19,\"qmPercentage\":-1.0,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.0,\"discountPointsNoFees\":-1.0,\"originationCredit\":1.0,\"originationCreditNoFees\":1.0,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.25\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.25,\"dti\":0.56729,\"hti\":0.24732,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.25,\"baseRates\":6.25,\"adjustedRates\":6.25,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.25,\"monthlyPI\":-4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-363019.05,\"totalInterest\":127501.33,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4122.02},{\"start\":120,\"end\":120,\"rate\":6.25,\"monthlyPI\":-4121.3,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4099.95,\"totalInterest\":21.35,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4121.3}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4122.02,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":127522.68,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4122.02},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.839,\"rawBasePoints\":-2.913,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.464,\"adjustmentPointsBorrowerPaid\":0.464,\"rawAdjustmentPoints\":0.464,\"rawAdjustmentPointsBorrowerPaid\":0.464,\"armIndexRate\":0.0,\"notRoundedAPR\":6.25,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038000000000000034,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038000000000000034,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.03600000000000003,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.03600000000000003,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.074,\"totalNoteRateAdjustment\":0.0},\"apr\":6.25,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3838ce8ad0000119d838\",\"name\":\"Conventional FHLMC\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a39d2ce8ad000011b2f03\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"LP\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FHLMC\",\"displayName\":\"FHLMC Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FHLMC Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4122.02,\"interestOnlyAmount\":1912.08,\"interestPlusFixedPrinciple\":4122.02,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.25,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.625,\"startedAdjustedPrice\":0.0,\"undiscountedRate\":5.625,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.464,\"totalGroupAdjustmentProperties\":0.464,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.375\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.375,\"dti\":0.56868,\"hti\":0.24871,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.375,\"baseRates\":6.375,\"adjustedRates\":6.375,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.375,\"monthlyPI\":-4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362995.47,\"totalInterest\":130289.28,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.25},{\"start\":120,\"end\":120,\"rate\":6.375,\"monthlyPI\":-4145.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4123.53,\"totalInterest\":21.91,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4145.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4145.25,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":130311.19,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4145.25},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.889,\"rawBasePoints\":-3.082,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":0.514,\"adjustmentPointsBorrowerPaid\":0.514,\"rawAdjustmentPoints\":0.514,\"rawAdjustmentPointsBorrowerPaid\":0.514,\"armIndexRate\":0.0,\"notRoundedAPR\":6.375,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"tax\":false,\"insurance\":false,\"premiumRate\":false,\"discountedRate\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"name\":\"Adjustments - FNMA Loan Amount (Exc. HR)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.05,\"finalAdjustment\":0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"66632121ce8ad00001eab7bc\",\"attributes\":[],\"key\":\"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}},{\"referenceId\":\"6980f9e1a700ab0001133521\",\"name\":\"Adjustments - PHH Conventional Loan Level\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":0.464,\"finalAdjustment\":0.464,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"629a54e7ce8ad0000125ae25\",\"attributes\":[],\"key\":\"State - With Escrow - AZ / Loan Amount >=$0+\",\"adjType\":\"StatesRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.064,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.064,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f774a700ab00010dccc1\",\"attributes\":[],\"key\":\"Loan Amount <=$50,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.39,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.39,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"6980f931a700ab00011055a5\",\"attributes\":[],\"key\":\"Loan Amount >$350,000 - <=$400,000\",\"adjType\":\"LoanAmountRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.01,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":0.01,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.08199999999999985,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.08199999999999985,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.11099999999999999,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.11099999999999999,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.1929999999999998,\"totalNoteRateAdjustment\":0.0},\"apr\":6.375,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"68f1465d9c900e0001987196\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6308da6ece8ad0000143c5e6\",\"createdFromRatePeriodValidAs\":\"2026-02-04T15:16:20.315Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"629a0f74ce8ad00001037ab1\",\"showCompanyName\":true,\"createdFromCompanyName\":\"PHH Mortgage\",\"useInvestorLockPolicy\":false,\"loanLimitYearOverride\":2026,\"customDisplayLenderName\":\"InstaMortgage 10*\",\"rateValidDate\":\"2025-10-16T19:29:50.096Z\",\"rateEndDate\":\"2025-10-16T19:29:50.096Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"629a0f74ce8ad00001037ab1\",\"allowModifiedDate\":true,\"name\":\"PHH Mortgage\",\"shortName\":\"PHH Mortgage\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2726\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"Corr C15 Rate Sheet\":\"Best Efforts Rate Sheet_C15.xlsx\",\"Corr E1 Rate Sheet\":\"Best Efforts Rate Sheet_E1.xlsx\"}},\"name\":\"PHH Correspondent E6\",\"validAsOf\":\"2026-02-05T04:46:07.005Z\",\"fileKeyForAutoImport\":\"Corr E6 Rate Sheet\",\"autoImportClz\":\"\",\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":true,\"public\":false},\"rateProgram\":{\"id\":\"629a3505ce8ad0000119a34d\",\"name\":\"Conventional FNMA\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"629a37ebce8ad0000119d089\",\"closingDays\":[15,30,45,60,75,90,120],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":120,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\",\"ConstructionPerm\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"10yr Fixed P&I Conforming - FNMA\",\"displayName\":\"FNMA Conforming 10 Yr Fixed\"},\"conditionActions\":[],\"programName\":\"FNMA Conforming 10 Yr Fixed\",\"expired\":true,\"productName\":\"10 Yr Fixed\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4145.25,\"interestOnlyAmount\":1950.32,\"interestPlusFixedPrinciple\":4145.25,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.375,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 10*\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":5.75,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":5.75,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":0.514,\"totalGroupAdjustmentProperties\":0.514,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.49\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.49,\"dti\":0.56997,\"hti\":0.25,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.49,\"baseRates\":6.49,\"adjustedRates\":6.49,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.49,\"monthlyPI\":-4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362973.98,\"totalInterest\":132862.13,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4166.69},{\"start\":120,\"end\":120,\"rate\":6.49,\"monthlyPI\":-4167.44,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4145.02,\"totalInterest\":22.42,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4167.44}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4166.69,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":132884.55,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4166.69},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.139,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.49,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.014000000000000012,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.014000000000000012,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.064,\"totalNoteRateAdjustment\":0.0},\"apr\":6.49,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4166.69,\"interestOnlyAmount\":1985.5,\"interestPlusFixedPrinciple\":4166.69,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.49,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.5\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.5,\"dti\":0.57008,\"hti\":0.25011,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.5,\"baseRates\":6.5,\"adjustedRates\":6.5,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.5,\"monthlyPI\":-4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362972.62,\"totalInterest\":133086.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.56},{\"start\":120,\"end\":120,\"rate\":6.5,\"monthlyPI\":-4168.84,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4146.38,\"totalInterest\":22.46,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4168.84}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4168.56,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":133108.48,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4168.56},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.075,\"rawBasePoints\":-2.164,\"adjustedPoints\":-1.125,\"adjustedPointsBorrowerPaid\":-1.125,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.5,\"borrowerPaid\":-4130.09,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-4130.09,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.125,\"borrowerPaidMinusCompDollarAmount\":-4130.089,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.125,\"amount\":-4130.09,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.038999999999999924,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.038999999999999924,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.089,\"totalNoteRateAdjustment\":0.0},\"apr\":6.5,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-4130.09,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-4130.09,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.125,\"borrowerPaidAmount\":-4130.09,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4168.56,\"interestOnlyAmount\":1988.56,\"interestPlusFixedPrinciple\":4168.56,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.5,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.125,\"finalQmClosingCosts\":-4130.08875,\"qmPercentage\":-1.125,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.125,\"discountPointsNoFees\":-1.125,\"originationCredit\":1.125,\"originationCreditNoFees\":1.125,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}],\"6.625\":[{\"overrideLLPA\":{\"pointAdjs\":[],\"rateAdjs\":[],\"executionType\":null},\"dynamicDataResult\":{},\"rate\":6.625,\"dti\":0.57149,\"hti\":0.25151,\"hoa\":0.0,\"incomeAmiRatio\":1.8248540145985401,\"totalOriginationFee\":0.0,\"mortgageType\":\"Conventional\",\"loanPurpose\":\"Refinance\",\"loanAmount\":367119.0,\"term\":10,\"termInMonths\":false,\"dayLock\":30,\"rawRates\":6.625,\"baseRates\":6.625,\"adjustedRates\":6.625,\"adjustmentRates\":0.0,\"loanLimitLite\":{\"mortgageLimit\":\"Conforming\",\"conventionnalLoanLimitAmount\":832750.0,\"matchingCountyLoanLimit\":832750.0,\"countyLoanLimit1Unit\":832750.0,\"countyLoanLimit2Unit\":1066250.0,\"countyLoanLimit3Unit\":1288800.0,\"countyLoanLimit4Unit\":1601750.0,\"fhaLoanLimit\":557750.0},\"monthlyPayments\":[{\"start\":1,\"end\":119,\"rate\":6.625,\"monthlyPI\":-4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-362950.22,\"totalInterest\":135891.83,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.95},{\"start\":120,\"end\":120,\"rate\":6.625,\"monthlyPI\":-4191.8,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":-4168.78,\"totalInterest\":23.02,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":-4191.8}],\"totalBuyDownAmount\":0.0,\"monthlyPayment\":{\"start\":0,\"end\":0,\"rate\":0.0,\"monthlyPI\":4191.95,\"buyDown\":0.0,\"buyDownRate\":0.0,\"totalBuyDown\":0.0,\"totalPrincipal\":367119.0,\"totalInterest\":135914.85,\"propertyTaxes\":0.0,\"homeOwnerInsurance\":0.0,\"mi\":0.0,\"rent\":0.0,\"otherExpenses\":0.0,\"rentalPropertyCashFlowAmount\":0.0,\"total\":4191.95},\"multiSearchKey\":-571734392,\"multiSearchKeyV2\":-571734392,\"fico\":742.0,\"dscr\":0.0,\"pointsFinancedDollarAmount\":0.0,\"ltv\":0.05245,\"cltv\":0.05245,\"hcltvLineAmount\":0.05245,\"hcltvDrawAmount\":0.05245,\"modLtv\":0.0,\"modCltv\":0.0,\"modHcltv\":0.0,\"modFico\":0,\"basePoints\":-1.325,\"rawBasePoints\":-2.394,\"adjustedPoints\":-1.375,\"adjustedPointsBorrowerPaid\":-1.375,\"adjustmentPoints\":-0.05,\"adjustmentPointsBorrowerPaid\":-0.05,\"rawAdjustmentPoints\":-0.05,\"rawAdjustmentPointsBorrowerPaid\":-0.05,\"armIndexRate\":0.0,\"notRoundedAPR\":6.625,\"borrowerPaid\":-5047.89,\"borrowerPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"lenderPaid\":-5047.89,\"lenderPaidOnlyComp\":0.0,\"borrowerPaidMinusComp\":-1.375,\"borrowerPaidMinusCompDollarAmount\":-5047.886,\"lenderPaidOnlyCompDollarAmount\":0.0,\"lenderPaidDetails\":[{\"line\":\"\",\"description\":\"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)\",\"points\":-1.375,\"amount\":-5047.89,\"type\":\"Origination\",\"aprRelated\":false,\"nbrPayments\":1,\"code\":null,\"name\":null,\"payeeName\":null,\"mismoName\":null,\"additionalDetail\":null,\"paidTo\":null,\"borrowDidShopForIndicator\":null,\"borrowCanShopForIndicator\":null,\"isDiscount\":false,\"isOrigination\":true,\"external\":false,\"includeInQmCriteria\":false,\"premiumRate\":false,\"discountedRate\":false,\"tax\":false,\"insurance\":false}],\"brokerPaidDetails\":[],\"otherPaidDetails\":[],\"libor\":0.0,\"hideDisqualified\":false,\"disqualified\":false,\"interpolated\":false,\"interpolationTarget\":false,\"descriptiveAdjustmentProperties\":[],\"groupAdjustmentProperties\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupAdjustmentPropertiesBorrowerPaid\":[{\"referenceId\":\"637256acce8ad00001633506\",\"name\":\"Adj - MRC Risk Adjustments (Excluded from Price Caps)\",\"pointBase\":false,\"type\":\"RATE\",\"totalAdjustment\":-0.05,\"finalAdjustment\":-0.05,\"includeZeroValuedAdjustments\":false,\"adjustments\":[{\"referenceId\":\"637256acce8ad00001633506\",\"attributes\":[],\"key\":\"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"LLPA\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":-0.05,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"llpa\":-0.05,\"combinedAdjustmentsUsed\":[]}],\"qualifyAdjustments\":[],\"disqualifyAdjustments\":[],\"hideDisqualifyAdjustments\":[],\"disqualifyAdjIds\":{}}],\"groupRateAdjustmentProperties\":[],\"groupAdjustmentPropertiesBPMI\":[],\"groupAdjustmentPropertiesPVA\":[],\"pointCap\":{\"description\":\"Max Comp. \",\"cap\":-7.0,\"targetType\":null},\"holdBackResult\":{\"broker\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[{\"referenceId\":\"65f07896ce8ad00001792f8f\",\"attributes\":[],\"key\":\"Flex- Conforming\",\"adjType\":\"SimpleRateAdjustment\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":1.0,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":1.0,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.018999999999999906,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.018999999999999906,\"combinedAdjustmentsUsed\":[]},{\"referenceId\":\"\",\"attributes\":[],\"key\":\"Rounding Adjustment\",\"adjType\":\"Margin\",\"type\":\"Margin\",\"valueType\":\"Points\",\"includeInInterpolationComp\":true,\"adj\":0.050000000000000044,\"pmiTypes\":[],\"qualifiedSpecialOptionFromAdj\":[],\"qualifiedSpecialOptionFromAdjFilter\":[],\"tags\":[],\"triggerServicingGrouping\":false,\"margin\":0.050000000000000044,\"combinedAdjustmentsUsed\":[]}],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"lender\":{\"conditions\":[],\"qualifications\":[],\"disqualifications\":[],\"hideDisqualifications\":[],\"adjustments\":[],\"displayOverrideResult\":null,\"adjustmentsBDTI\":[],\"eligible\":false,\"totalAdjustment\":0.0,\"totalNoteRateAdjustment\":0.0},\"totalAdjustment\":1.069,\"totalNoteRateAdjustment\":0.0},\"apr\":6.625,\"closingCost\":{\"total\":758.0,\"closingCostGroup\":[],\"settlementCost\":{\"origination\":{\"othersLabel\":\"Fee\",\"others\":0.0,\"underwritingLabel\":\"Underwriting\",\"underwriting\":0.0,\"administrationLabel\":\"Administration Fee\",\"administration\":null,\"lenderCreditLabel\":\"Lender Credit\",\"lenderCredit\":null,\"applyLenderCreditToApr\":false,\"total\":0.0},\"titleService\":{\"overrideTitle\":false,\"titleInsuranceLabel\":\"Title Insurance Cost\",\"titleInsurance\":null,\"borrowerTitlePaidPercentLabel\":\"Borrower Title Insurance Percent\",\"borrowerTitlePaidPercent\":0.5,\"overrideEscrow\":false,\"escrowCostLabel\":\"Escrow Cost\",\"escrowCost\":null,\"borrowerEscrowPaidPercentLabel\":\"Borrower Escrow Cost Percent\",\"borrowerEscrowPaidPercent\":0.5,\"notarySignLabel\":\"Notary Sign\",\"notarySign\":145.0,\"total\":145.0},\"thirdPartyServices\":{\"appraisalLabel\":\"Appraisal\",\"appraisal\":500.0,\"taxServiceLabel\":\"Tax Service\",\"taxService\":0.0,\"creditReportLabel\":\"Credit Report\",\"creditReport\":0.0,\"floodCertificationLabel\":\"Floor Certification\",\"floodCertification\":12.0,\"overnightLabel\":\"Overnight\",\"overnight\":16.0,\"recordingLabel\":\"Recording\",\"recording\":85.0,\"total\":613.0},\"closingCostGroup\":[],\"total\":758.0},\"useClosingCost\":false,\"useCompanyDefaultClosingCost\":false,\"useErnstCost\":false,\"directCustomFee\":false,\"allowErnstQuote\":false},\"closingCostDetails\":[],\"finalClosingCost\":-5047.89,\"finalSubClosingCost\":0.0,\"closingCostDetailsBorrowerPaid\":[],\"finalClosingCostBorrowerPaid\":-5047.89,\"compliancesMapByType\":{},\"pmiType\":\"None\",\"ratePeriod\":{\"id\":\"667f0c42ce8ad00001855978\",\"rateType\":\"All\",\"classType\":\"RatePeriodLinked\",\"fees\":[],\"createdFromRatePeriodId\":\"6657ad04ce8ad000016f2a97\",\"createdFromRatePeriodValidAs\":\"2026-02-04T18:18:44.052Z\",\"parentRateOrCompanyInvalid\":false,\"createdFromCompanyId\":\"55dfa738e4b078f4132493b7\",\"showCompanyName\":true,\"createdFromCompanyName\":\"Mr. Cooper\",\"useInvestorLockPolicy\":false,\"customDisplayLenderName\":\"InstaMortgage 3\",\"rateValidDate\":\"2025-10-29T20:50:07.332Z\",\"skipConstructionPeriod\":false,\"applyParRounding\":false,\"companyId\":\"62c32579ce8ad000010a5f06\",\"company\":{\"id\":\"55dfa738e4b078f4132493b7\",\"allowModifiedDate\":true,\"name\":\"Mr. Cooper Correspondent\",\"shortName\":\"Mr. Cooper\",\"guideLines\":true,\"turnTimes\":[],\"nmlsId\":\"2119\",\"allowPublicReview\":false,\"armRoundedFullyIndexedRate\":false,\"customRateFiles\":{\"MRC-Corr-11277_xlsx\":\"RKT-Corr-11277.xlsx\",\"MRC-Corr-10915_xlsx\":\"MRC-Corr-10915.xlsx\",\"FNMA_Base\":\"ConvFNMABase_03062024 033314.csv\",\"MRC-Corr-10377_xlsx\":\"RKT-Corr-10377.xlsx\",\"Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx\":\"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx\",\"Mr Cooper Rate Import\":\"MRC-Corr Parent_1660247506049.xlsx\",\"MRC-Corr-11746_xlsx\":\"MRC-Corr-11746.xlsx\",\"RKT-Corr-11851_xlsx\":\"RKT-Corr-11851.xlsx\",\"MRC-Corr-10635_xlsx\":\"RKT-Corr-10635.xlsx\",\"RKT-Corr-11834_xlsx\":\"RKT-Corr-11834.xlsx\",\"MRC-Corr-11445_xlsx\":\"MRC-Corr-11445.xlsx\",\"MRC-Corr-11758\":\"RKT-Corr-11758.xlsx\",\"MRC-Corr-11827_xlsx\":\"RKT-Corr-11827.xlsx\",\"RKT-Corr-11782_xlsx\":\"RKT-Corr-11782.xlsx\",\"MRC-Corr Delegated BE - 11627\":\"RKT-Corr-11627.xlsx\",\"RKT-Corr-11151_xlsx\":\"RKT-Corr-11151.xlsx\",\"MRC-Corr-11628_xlsx\":\"RKT-Corr-11628.xlsx\",\"RKT-Corr-11704_xlsx\":\"RKT-Corr-11704.xlsx\"}},\"name\":\"MRC-Corr Delegated BE - 11628\",\"validAsOf\":\"2026-02-04T18:18:46.342Z\",\"fileKeyForAutoImport\":\"RKT-Corr-11628_xlsx\",\"autoImportClz\":\"\",\"maxCompensation\":-7.0,\"overrideHoldBack\":0.0,\"publish\":true,\"expired\":false,\"public\":false},\"rateProgram\":{\"id\":\"5f8df948ce8ad0000122d662\",\"name\":\"FANNIE MAE OTHER\",\"applyParRounding\":false},\"rateGrid\":{\"id\":\"63067c99ce8ad00001b45a39\",\"closingDays\":[7,15,30,45,60,75,90],\"maxCompensation\":null,\"note\":\"\",\"compPlan\":null,\"adjustmentCap\":null,\"adjMeta\":null,\"qmTypes\":[\"QM\"],\"qualifyingRateSource\":null,\"yearlyTerm\":null,\"fixPaymentOption\":null,\"dueTerms\":0,\"amortizationTerms\":0,\"interestOnlyMonth\":0,\"parallelIO\":false,\"armFloorRateType\":null,\"armFloorRateFlatValue\":null,\"listOfRateGridSelectedForBlendingWithInfo\":{},\"affordableHousingTypes\":[\"None\"],\"ltvModifierCapRange\":null,\"ficoModifierCapRange\":null,\"deactivateMi\":false,\"disqualified\":[],\"copy\":false,\"rateGridFrom\":null,\"rateGridFromName\":null,\"rtlproduct\":false,\"reversemortgage\":false,\"disregardFhaLoanLimit\":false,\"pmiTypes\":[\"None\",\"LPMI\",\"BPMI\"],\"mortgageTypes\":[\"Conventional\"],\"mortgageLimits\":[\"Conforming\"],\"specialtyProduct\":null,\"loanType\":\"Fixed\",\"helocType\":\"Rate\",\"armMargin\":null,\"armRoundingFactor\":null,\"armRoundingStractegy\":null,\"armCaps\":null,\"armCeiling\":null,\"armChangeDates\":null,\"armLookbackPeriod\":null,\"specialMortgageOptions\":[],\"varaiableLoanTypes\":[],\"aus\":[\"DU\"],\"libor\":null,\"liborType\":null,\"liborMigratedtoLiborType\":false,\"productCode\":\"Conforming\",\"loanPlanId\":null,\"lockGroup\":null,\"hedgeEnabled\":false,\"allowedLockGroupChange\":[],\"maxCompensationDollarAmount\":null,\"vaLoanType\":null,\"fhaLoanType\":\"STANDARD\",\"agency\":null,\"loanPurposes\":[\"Purchase\",\"Refinance\",\"CashoutRefinance\"],\"terms\":[10],\"termsInMonths\":false,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"],\"mortgageLimitYearMatched\":2026,\"fhaMortgageLimitToMatch\":null,\"customFieldMap\":{},\"minimumMonthlyPaymentPercentage\":null,\"minimumMonthlyPaymentAmount\":null,\"assumption\":false,\"name\":\"FNMA10\",\"displayName\":\"FNMA Standard Agency 10 YR FIXED\"},\"conditionActions\":[],\"programName\":\"FNMA Standard Agency 10 YR FIXED\",\"expired\":false,\"productName\":\"10 YR FIXED\",\"appraisalWaiverIndicator\":false,\"highBalanceIndicator\":false,\"borrowerPaidPoints\":-1.375,\"borrowerPaidAmount\":-5047.89,\"sameServiceIndicator\":false,\"apor\":5.6,\"indexRate\":0.0,\"loanFeePercent\":{},\"loanFeeAmount\":{},\"amortizationSchedule\":{},\"annualMiPremiumAmount\":0.0,\"monthlyPaymentAmount\":0.0,\"monthlyTotal\":4191.95,\"interestOnlyAmount\":2026.8,\"interestPlusFixedPrinciple\":4191.95,\"totalLoanAmount\":367119.0,\"undiscountedInterestRatePercent\":0.0,\"bonafideAmount\":0.0,\"adjustedPricingExceptionAmount\":0.0,\"adjustedLockExtentionAmount\":0.0,\"cashToCloseAmount\":0.0,\"cashToCloseItems\":[],\"qualifyingRatePercent\":6.625,\"qualifyingRateDelta\":0.0,\"athenaFees\":[],\"discountStartedAdjustedRate\":0.0,\"companyName\":\"InstaMortgage 3\",\"finalQmPercentage\":-1.3750000000000002,\"finalQmClosingCosts\":-5047.8862500000005,\"qmPercentage\":-1.3750000000000002,\"discountDetail\":{\"discountRate\":null,\"discountAmount\":null},\"premiumDetail\":{\"premiumRate\":null,\"premiumAmount\":null},\"startedAdjustedRate\":6.125,\"startedAdjustedPrice\":-0.125,\"undiscountedRate\":6.125,\"discountPoints\":-1.375,\"discountPointsNoFees\":-1.375,\"originationCredit\":1.375,\"originationCreditNoFees\":1.375,\"topRateComplianceTestResult\":0.0,\"rateStackTopRateDetail\":[],\"lenderFeeWaiver\":false,\"totalGroupAdjustmentPropertiesBorrowerPaid\":-0.05,\"totalGroupAdjustmentProperties\":-0.05,\"totalGroupRateAdjustmentProperties\":0.0,\"mortgageLimitsMatchedWithSearch\":[\"Conforming\"]}]},\"companiesDetailInfoMap\":{},\"feeMap\":{},\"smo\":[],\"interpolatedRates\":[]},\"criteriaCombinationDTO\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":\"367119\",\"key\":-571734392,\"dayLock\":30},\"criteriaKey\":-571734392}],\"keyMap\":{\"-569768186\":{\"terms\":\"Terms_360\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-569768186,\"dayLock\":30},\"-571734392\":{\"terms\":\"Terms_120\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571734392,\"dayLock\":30},\"-569946932\":{\"terms\":\"Terms_300\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-569946932,\"dayLock\":30},\"-570751289\":{\"terms\":\"Terms_240\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-570751289,\"dayLock\":30},\"-571555646\":{\"terms\":\"Terms_180\",\"loanType\":\"Fixed\",\"amortType\":null,\"loanPurpose\":\"Refinance\",\"mortgageType\":\"Conventional\",\"loanAmount\":null,\"key\":-571555646,\"dayLock\":30}},\"requestId\":\"698441bd0c4f430001659315\",\"allRateProducts\":[],\"serialTime\":1}"} 
[2026-02-05 07:07:44] local.INFO: Processing API response  
[2026-02-05 07:07:44] local.INFO: Processing API response response_obj- {"response_obj":{"stdClass":{"dataEventId":"698441bd77649e0001236521-27348","baseSearch":{"allowModifiedDate":true,"titleVendorQuestions":[],"useExternalFees":true,"showTitleQuestion":true,"debugLevel":"WARNING","pricingOrigin":"ApiPricing","lenderAutoPrice":false,"loanAmountCriteria":[367119.0],"termsCriteria":[7,10,15,20,25,30],"termsInMonths":false,"loanPurposeCriteria":["Refinance"],"loanTypeCriteria":["Fixed"],"varLoanTypeCriteria":[],"titleVendors":[],"name":"InstaMortgage Inc./667ae5e1ce8ad000011a9ea2","companyId":"62c32579ce8ad000010a5f06","criteria":{"id":"698441bd77649e000123651a","purchasePrice":0.0,"loanAmount":367119.0,"rehabBudget":0.0,"totalLoanAmount":400000.0,"computeApr":true,"totalLoanAmountByMortgageType":{"Conventional":367119.0},"totalLoanAmountByFHALoanType":[],"subordinateLoanAmount":0.0,"pmiType":"None","monthlyIncome":16667.0,"monthlyDebt":5333.0,"ami":109600.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"lmiData":{"id":null,"lmiSubsidyId":null,"lmiTract":0,"borLimit":0.0,"chaseAA":false,"msa":null,"lmiType":null,"commTract":null},"dutyToServe":false,"lineAmount":0.0,"drawAmount":0.0,"constructionDrawAmount":0.0,"renovationCost":0.0,"cashoutAmount":0.0,"appraisedValue":7000000.0,"isFirstLienSame":"","monthlyReserve":0.0,"employeeLoan":"","dscr":0.0,"caseAssignementDate":"2026-02-05T07:07:41.981Z","docType":"FullDoc","closedEnd":false,"balloon":false,"rural":false,"firstTimeHomeBuyer":false,"selfEmployed":false,"nonWarrantableProject":false,"renovationLoan":false,"communitySecond":false,"numberOfCoBorrower":1,"numberOfBorrower":1,"loanYear":30,"loanPurpose":"Refinance","fhaEndorsementDate":"2026-02-05T07:07:41.981Z","loanType":"Fixed","paymentInterestType":"FullPITI","helocCriteria":{"applyLineAmount":false},"mortgageTypes":["Conventional"],"mortgageLimitMapByYear":{"2026":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0}},"highBalanceCountyMappedByYear":{"2026":false},"mortgageLimitForLatestYear":{"mortgageLimitFHA":"Conforming","mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"year":2026,"conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0},"mortgageLimit":"Conforming","fhaMortgageLimit":557750.0,"propertyUse":"PrimaryResidence","ownProperties":0,"veteranType":"Active_Or_Veteran","vaUsageType":"First_Use","ufmipFinanced":"YES","propertyValuationType":"Full_Appraisal","calculatedfeeAmount":0.0,"calculatedFeeByMortgageType":[],"calculatedFeeByFHALoanType":[],"affinityCode":"","affinityCodes":[],"specialMortgageOptions":[],"inclusive":false,"varaiableLoanTypes":[],"fico":742,"fhaLoanTypes":["STANDARD"],"vaLoanTypes":["ALL"],"cemaIndicator":false,"downPaymentAmount":0.0,"compensationType":"LenderCompPlan","studentLoanIndicator":false,"appraisalConditionAsIs":true,"totalLoanAmountByVaType":[],"normalHelocBehavior":true,"interestOnly":false,"payoffStatusIndicatorFirstLien":false,"payoffStatusIndicatorSecondLien":false,"existingFirstLien":true,"subordinate":false,"assumption":false,"assumptionRate":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"occupancyRate":0.0,"firstLienPaymentAmount":0.0,"subordinateSubType":"NONE","useCustomerTotalLoanAmount":false,"helocLtvComputationLogic":"LP","rtlproduct":false,"reversemortgage":false,"dti":0.31996999999999997665867113028070889413356781005859375,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"highBalanceCounty":false,"lenderFeeWaiver":false,"escrowWaiver":false,"hcltvDrawAmount":0.0,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"valueOfCollateral":7000000.0,"ext":false},"property":{"allowModifiedDate":true,"address":{"longitude":null,"latitude":null,"censustract":"","street":"","streetCont":"","city":"","zip":"85083","zipExt":"","state":"AZ","province":"","county":"04013","countyName":"MARICOPA","country":"US","countyFips":"04013","stateFips":"","msa":null,"defaultZipFipsComboOnMismatch":false},"propertyType":"PlannedUnitDevelopment","numberOfUnit":1,"bedrooms":0,"bathrooms":0.0,"finishedSqFt":0.0,"lotSizeSqFt":0.0,"lotSizeAcre":0.0,"yearBuilt":0,"mls":"","totalRooms":0,"propertyDescription":"","price":0.0,"priceDate":"","hoa":0.0,"taxAssessment":0.0,"taxAssessmentYear":"","propertyTaxPercent":0.0,"propertyTaxYear":"","lastSoldPrice":0.0,"lastSoldDate":"","jsonImages":[],"links":[],"forSale":false,"features":[],"constructions":[],"facts":[]},"brokerCriteria":{"allowModifiedDate":true,"searchContext":[],"minimunCompensation":-1.5,"maxCompensation":0.5,"scriptWeight":100,"overrideExistingComplan":false,"lockGroups":[],"excludeLockGroups":[],"pointsFinancedDollarAmount":0.0,"adjCodeToExclude":[],"adjNameToExclude":[],"adjIdToExclude":[],"overrideRateAdjs":[],"rateTypes":[],"subRateTypes":[],"qmTypes":[],"view":"LenderPaid","businessSourceType":"BST_NA","feeServicerList":[],"adjustments":[],"rangeComplan":{"@class":"com.cre8techlabs.entity.range.DoubleRangeGeLe","from":null,"to":null},"sortStrategy":"APR","priceBucketList":[],"resultPerBucket":1,"executionType":"BestEfforts","useExecutionType":false,"dayLocks":30,"dayLocksList":[7,15,30,45,60,70,75,90,120],"ausList":["LP","DU"],"ausIndicator":"","closingCostRange":{"@class":"com.cre8techlabs.entity.broker.BrokerCriteria$RangeClosingCost","from":null,"to":null,"closestToPar":false,"closestToTargetValue":null,"infinite":true},"displayConventionalRate":false},"accessCriteria":{"marketPlaceSearch":false,"dataLog":true,"userContext":{"overrided":true,"username":"Sal.Ali","groupType":"AddToCurrentUser"},"companyIds":[],"companyMap":[],"ratePeriodMap":[],"overrideNode":25,"fieldsToRemove":[]},"miCriteria":{"mode":"Reducer","miCompanyId":null,"miCompanyName":null,"amortizationType":"FullyAmmortized","loanType":"Fixed","duLpDecision":"DU_Approve_Eligible","buyDownPercent":"None","originationChannel":"Retail","loanProgram":null,"renewalType":"Constant","paymentPlan":"EZMonthly","paymentType":"Monthly","borrowerFicoScore":null,"coBorrowerFicoScore":null,"varaiableLoanType":null,"monthlyPlanRefundable":false,"singlePlanRefundable":false,"splitPlanRefundable":false,"annualPlanRefundable":false,"borrowerNonTraditionalCredit":false,"coBorrowerNonTraditionalCredit":false,"borrowerSelfEmployed":false,"coBorrowerSelfEmployed":false,"buydownUpfrontAmount":null,"needCoBorrower":false,"overrideDTI":null,"overrideDSCR":null,"initialPremiumAtClosing":"Deferred","rateQuoteAllProductIndicator":false,"rateQuoteProductComparisonIndicator":false,"miPremiumFinancedIndicator":false,"premiumRatePlanType":"Level","miRateSource":null,"miCoverage":null,"miCoverages":[],"miPremium":null,"useDefaultEstimatedMi":false,"companyToken":"Placeholder","numberOfDeferredPayments":0},"dynamicPropertiesMap":[],"rateGridIds":[],"rateProgramIds":[],"ratePeriodIds":["6557cf91ce8ad000012b25b3"],"ratePeriodIdOverride":"6557cf91ce8ad000012b25b3","investors":[],"investorIds":[],"test":false,"skipAdjustments":false,"filter":{"programNames":[],"productCode":[],"getRateGridFilterReason":false,"ineligibleProduct":false,"priceIneligibleProduct":false,"rateFilter":{"condition":null,"filters":[]}},"globalGroupAdjustmentMap":[],"disqualifyAsync":false,"disqualifyFullResult":true,"showDisqualify":false,"showDisqualifyRules":false,"sortAscPoints":true,"showUnmatchCompPlan":false,"feeCriteria":[],"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"multiSearchClosingCostList":[],"showInterpolatedPricing":false,"targetInterpolatedPrices":[],"onlyShowTargetPrice":false,"onlyShowTargetRate":false,"showAllDayLocksForInterpolatedRates":false,"rates":[],"rateRange":{"@class":"com.cre8techlabs.entity.range.DoubleRangeLeGt","from":null,"to":null,"null":true},"maxListingPerRate":1,"computedExpirationDate":"2026-03-07T07:59:59.999Z","showPayeeDetail":false,"requestId":"698441bd0c4f430001659315","allDayLocks":false,"dayLocksCriteria":[],"encounteredUserGroups":{"633e5f35ce8ad00001b13c9d":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Loan Officer - Insta Mortgage","startDate":"2026-01-08T17:12:01.459Z","endDate":null,"userGroupId":"633e5f35ce8ad00001b13c9d","canViewBrokerMargin":false},"65ba6da8ce8ad00001e4857e":{"className":"com.cre8techlabs.entity.user.group.CompanyUserGroup","userGroupName":"Flex User Group","startDate":"2024-07-11T16:29:13.547Z","endDate":null,"userGroupId":"65ba6da8ce8ad00001e4857e","canViewBrokerMargin":false}},"useApplicationDateAsPricingDate":false,"listAllRateProducts":false,"fields":[],"externalCompensation":{"compPlanDollarRange":{"from":null,"to":null},"overrideComplan":0.0,"overrideComplanFlatFee":0.0},"useExternalCompensation":false,"byPassCap":false,"useCurrentBasePricing":false,"loanPurpose":{"values":["Refinance"],"type":"com.cre8techlabs.entity.rate.LoanPurpose"},"loanType":{"values":["Fixed"],"type":"com.cre8techlabs.entity.rate.LoanType"},"amortizationType":{"values":["_1_1","_1_6","_2_1","_3_1","_3_5","_3_6","_5_1","_5_2","_5_5","_5_6","_7_1","_7_2","_7_6","_10_1","_10_6","_15_6","_6_6","_6m_6","_1m_1m","_15_1","_3_3","_6_1"],"type":"com.cre8techlabs.entity.rate.VaraiableLoanType"},"mortgageTypes":{"values":["Conventional"],"type":"com.cre8techlabs.entity.rate.MortgageType"},"fhaLoanTypes":{"values":["STANDARD"],"type":"com.cre8techlabs.entity.rate.FHALoanType"},"multi":true,"fhaloanTypeCriteria":["STANDARD"]},"disqualifyCount":0,"resultMap":[{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625,6.75,6.875,6.9900000000000002131628207280300557613372802734375,7.0,7.125],"monthlyPaymentMapByRate":{"5.75":2309.57000000000016370904631912708282470703125,"5.875":2337.3800000000001091393642127513885498046875,"5.99":2363.11000000000012732925824820995330810546875,"6.0":2365.34999999999990905052982270717620849609375,"6.125":2393.48000000000001818989403545856475830078125,"6.25":2421.76999999999998181010596454143524169921875,"5.625":2281.920000000000072759576141834259033203125,"6.375":2450.21999999999979991116560995578765869140625,"6.49":2476.51999999999998181010596454143524169921875,"6.5":2478.80999999999994543031789362430572509765625,"6.625":2507.55999999999994543031789362430572509765625,"6.75":2536.46999999999979991116560995578765869140625,"6.875":2565.51999999999998181010596454143524169921875,"6.99":2592.3800000000001091393642127513885498046875,"7.0":2594.71999999999979991116560995578765869140625,"7.125":2624.07000000000016370904631912708282470703125},"data":{"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.4585500000000000131450406115618534386157989501953125,"hti":0.1385699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.75,"monthlyPI":-2309.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364821.0399999999790452420711517333984375,"totalInterest":325740.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2309.57000000000016370904631912708282470703125},{"start":300,"end":300,"rate":5.75,"monthlyPI":-2308.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2297.9600000000000363797880709171295166015625,"totalInterest":11.0099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2308.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2309.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":325751.400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2309.57000000000016370904631912708282470703125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.7520000000000000017763568394002504646778106689453125,"rawBasePoints":0.629000000000000003552713678800500929355621337890625,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.7629999999999999005240169935859739780426025390625,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.120999999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.120999999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":5.7629999999999999005240169935859739780426025390625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"68acadb856859ae85c7bf756","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"68acac81ae53c9e3767c1a3c","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 25yr Fixed - 350k < Bal <= 375k","displayName":"FNMA 25yr Fixed - 350k < Bal <= 375k"},"conditionActions":[],"programName":"FNMA 25yr Fixed - 350k < Bal <= 375k","expired":true,"productName":"25yr Fixed - 350k < Bal <= 375k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2309.57000000000016370904631912708282470703125,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2309.57000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.460210000000000007958078640513122081756591796875,"hti":0.1402400000000000035438318946034996770322322845458984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2338.11000000000012732925824820995330810546875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":334095.7299999999813735485076904296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2337.3800000000001091393642127513885498046875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.71099999999999996536104163169511593878269195556640625,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11399999999999987920773492078296840190887451171875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11399999999999987920773492078296840190887451171875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2337.3800000000001091393642127513885498046875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2337.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.461760000000000003783640067922533489763736724853515625,"hti":0.1417799999999999893685043161895009689033031463623046875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2363.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364767.9199999999837018549442291259765625,"totalInterest":341801.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2363.11000000000012732925824820995330810546875},{"start":300,"end":300,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2362.82000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2351.079999999999927240423858165740966796875,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2362.82000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2363.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":341813.7100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2363.11000000000012732925824820995330810546875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":0.24899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2363.11000000000012732925824820995330810546875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2363.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.46189000000000002277289468111121095716953277587890625,"hti":0.141919999999999990603072319572675041854381561279296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.0,"monthlyPI":-2365.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364763.4600000000209547579288482666015625,"totalInterest":342476.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2365.34999999999990905052982270717620849609375},{"start":300,"end":300,"rate":6.0,"monthlyPI":-2367.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2355.5399999999999636202119290828704833984375,"totalInterest":11.7799999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2367.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2365.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":342487.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2365.34999999999990905052982270717620849609375},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.72499999999999997779553950749686919152736663818359375,"rawBasePoints":-1.7729999999999999094058011905872263014316558837890625,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"adjustmentPointsBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"rawAdjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"rawAdjustmentPointsBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"finalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.070000000000000006661338147750939242541790008544921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.070000000000000006661338147750939242541790008544921875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"finalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.070000000000000006661338147750939242541790008544921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.070000000000000006661338147750939242541790008544921875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02300000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02300000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02500000000000002220446049250313080847263336181640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02500000000000002220446049250313080847263336181640625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0480000000000000426325641456060111522674560546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0480000000000000426325641456060111522674560546875,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"62faa271ce8ad00001a9a178","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f59e","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Yr Freddie Fixed","displayName":"25 Yr Freddie Fixed"},"conditionActions":[],"programName":"25 Yr Freddie Fixed","expired":false,"productName":"25 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2365.34999999999990905052982270717620849609375,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2365.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.25,"undiscountedRate":5.875,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"totalGroupAdjustmentProperties":-0.1499999999999999944488848768742172978818416595458984375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.46357999999999999207744849627488292753696441650390625,"hti":0.1436099999999999876632017503652605228126049041748046875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.125,"monthlyPI":-2393.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364734.9500000000116415321826934814453125,"totalInterest":350915.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2393.48000000000001818989403545856475830078125},{"start":300,"end":300,"rate":6.125,"monthlyPI":-2396.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2384.0500000000001818989403545856475830078125,"totalInterest":12.1699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2396.21999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2393.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":350927.73999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2393.48000000000001818989403545856475830078125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.311999999999999999555910790149937383830547332763671875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0620000000000000550670620214077644050121307373046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0620000000000000550670620214077644050121307373046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2393.48000000000001818989403545856475830078125,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2393.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.46528000000000002689404254851979203522205352783203125,"hti":0.1453000000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.25,"monthlyPI":-2421.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364708.6699999999837018549442291259765625,"totalInterest":359400.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2421.76999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.25,"monthlyPI":-2422.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2410.329999999999927240423858165740966796875,"totalInterest":12.550000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2422.8800000000001091393642127513885498046875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2421.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":359413.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2421.76999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.8970000000000000195399252334027551114559173583984375,"rawBasePoints":-2.0030000000000001136868377216160297393798828125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"adjustmentPointsBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"rawAdjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"rawAdjustmentPointsBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"finalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.39800000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.39800000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"finalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.39800000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.39800000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1029999999999999804600747665972448885440826416015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1029999999999999804600747665972448885440826416015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"62faa271ce8ad00001a9a178","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f59e","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Yr Freddie Fixed","displayName":"25 Yr Freddie Fixed"},"conditionActions":[],"programName":"25 Yr Freddie Fixed","expired":false,"productName":"25 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2421.76999999999998181010596454143524169921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2421.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.25,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"totalGroupAdjustmentProperties":-0.4779999999999999804600747665972448885440826416015625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.456890000000000018332002582610584795475006103515625,"hti":0.1369100000000000039168668308775522746145725250244140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":317456.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2281.920000000000072759576141834259033203125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.70000000000000017763568394002504646778106689453125,"rawBasePoints":1.5620000000000000550670620214077644050121307373046875,"adjustedPoints":0.5,"adjustedPointsBorrowerPaid":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.67699999999999960209606797434389591217041015625,"borrowerPaid":1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.5,"borrowerPaidMinusCompDollarAmount":1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.063000000000000166977542903623543679714202880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.063000000000000166977542903623543679714202880859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1380000000000001225686219186172820627689361572265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1380000000000001225686219186172820627689361572265625,"totalNoteRateAdjustment":0.0},"apr":5.676899999999999835154085303656756877899169921875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.5,"borrowerPaidAmount":1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2281.920000000000072759576141834259033203125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2281.920000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1835.595000000000027284841053187847137451171875,"qmPercentage":0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.5,"discountPointsNoFees":0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.466980000000000006199485369506874121725559234619140625,"hti":0.1470100000000000017852386235972517170011997222900390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.375,"monthlyPI":-2450.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364685.130000000004656612873077392578125,"totalInterest":367930.650000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2450.21999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.375,"monthlyPI":-2446.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2433.8699999999998908606357872486114501953125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2446.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2450.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":367943.5800000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2450.21999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.071000000000000174082970261224545538425445556640625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.071000000000000174082970261224545538425445556640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.071000000000000174082970261224545538425445556640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.10700000000000020605739337042905390262603759765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.10700000000000020605739337042905390262603759765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3654ce8ad0000119bdd5","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":300,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"629a352bce8ad0000119af36","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FNMA","displayName":"FNMA Conforming 25 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 25 Yr Fixed","expired":true,"productName":"25 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2450.21999999999979991116560995578765869140625,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2450.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.46855999999999997651656258312868885695934295654296875,"hti":0.148589999999999999857891452847979962825775146484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364655.5900000000256113708019256591796875,"totalInterest":375823.890000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2476.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.73000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2463.40999999999985448084771633148193359375,"totalInterest":13.32000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2476.73000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2476.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":375837.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2476.51999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.25,"rawBasePoints":-1.29000000000000003552713678800500929355621337890625,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.039999999999999980015985556747182272374629974365234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.039999999999999980015985556747182272374629974365234375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2476.51999999999998181010596454143524169921875,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":2476.51999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.46870000000000000550670620214077644050121307373046875,"hti":0.1487300000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.5,"monthlyPI":-2478.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364650.609999999986030161380767822265625,"totalInterest":376513.5800000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2478.80999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.5,"monthlyPI":-2481.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2468.38999999999987267074175179004669189453125,"totalInterest":13.3699999999999992184029906638897955417633056640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2481.760000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2478.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":376526.9500000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2478.80999999999994543031789362430572509765625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.50900000000000000799360577730112709105014801025390625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00900000000000000799360577730112709105014801025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00900000000000000799360577730112709105014801025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"615a021bce8ad0000199d419","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"5ab2b1a04cedfd0001d747ef","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Year Fixed Conforming LP","displayName":"25 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"25 Year Fixed Conforming FHLMC LP","expired":false,"productName":"25 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2478.80999999999994543031789362430572509765625,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2478.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.375,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.470420000000000004813927034774678759276866912841796875,"hti":0.1504500000000000003996802888650563545525074005126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.625,"monthlyPI":-2507.55999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364621.76000000000931322574615478515625,"totalInterest":385138.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2507.55999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.625,"monthlyPI":-2511.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2497.239999999999781721271574497222900390625,"totalInterest":13.78999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2511.03000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2507.55999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":385152.46999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2507.55999999999994543031789362430572509765625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.5,"rawBasePoints":-1.5829999999999999626965063725947402417659759521484375,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0829999999999999626965063725947402417659759521484375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0829999999999999626965063725947402417659759521484375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0829999999999999626965063725947402417659759521484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0829999999999999626965063725947402417659759521484375,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2507.55999999999994543031789362430572509765625,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2507.55999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.47216000000000002412292587905540131032466888427734375,"hti":0.152189999999999991953103517516865395009517669677734375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.75,"monthlyPI":-2536.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364598.6799999999930150806903839111328125,"totalInterest":393805.849999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2536.46999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.75,"monthlyPI":-2534.5,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2520.32000000000016370904631912708282470703125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2534.5}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2536.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":393820.03000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2536.46999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.12000000000000010658141036401502788066864013671875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a388bce8ad0000119db13","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":300,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"629a3847ce8ad0000119d9cb","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FHLMC","displayName":"FHLMC Conforming 25 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 25 Yr Fixed","expired":true,"productName":"25 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2536.46999999999979991116560995578765869140625,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2536.46999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.473899999999999987920773492078296840190887451171875,"hti":0.15393000000000001126210236179758794605731964111328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.875,"monthlyPI":-2565.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364568.0200000000186264514923095703125,"totalInterest":402522.4600000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2565.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.875,"monthlyPI":-2565.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2550.98000000000001818989403545856475830078125,"totalInterest":14.6099999999999994315658113919198513031005859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2565.59000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2565.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":402537.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2565.51999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0,"rawBasePoints":-2.00499999999999989341858963598497211933135986328125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00499999999999989341858963598497211933135986328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00499999999999989341858963598497211933135986328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.00499999999999989341858963598497211933135986328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.00499999999999989341858963598497211933135986328125,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2565.51999999999998181010596454143524169921875,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2565.51999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.9900000000000002131628207280300557613372802734375,"dti":0.47550999999999998824051772317034192383289337158203125,"hti":0.1555400000000000115818465928896330296993255615234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.9900000000000002131628207280300557613372802734375,"baseRates":6.9900000000000002131628207280300557613372802734375,"adjustedRates":6.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2592.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364542.4099999999743886291980743408203125,"totalInterest":410579.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2592.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2591.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2576.59000000000014551915228366851806640625,"totalInterest":15.0099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2591.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2592.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":410594.21999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2592.3800000000001091393642127513885498046875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.125,"rawBasePoints":-2.225000000000000088817841970012523233890533447265625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.9900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.100000000000000088817841970012523233890533447265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.100000000000000088817841970012523233890533447265625,"totalNoteRateAdjustment":0.0},"apr":6.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2592.3800000000001091393642127513885498046875,"interestOnlyAmount":2138.46999999999979991116560995578765869140625,"interestPlusFixedPrinciple":2592.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.47565000000000001723066134218242950737476348876953125,"hti":0.1556800000000000128164145962728071026504039764404296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":7.0,"monthlyPI":-2594.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364538.78000000002793967723846435546875,"totalInterest":411282.5,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2594.71999999999979991116560995578765869140625},{"start":300,"end":300,"rate":7.0,"monthlyPI":-2595.26999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2580.21999999999979991116560995578765869140625,"totalInterest":15.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2595.26999999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2594.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":411297.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2594.71999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.25,"rawBasePoints":-2.257000000000000117239551400416530668735504150390625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0069999999999998951949464753852225840091705322265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0069999999999998951949464753852225840091705322265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0069999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0069999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2594.71999999999979991116560995578765869140625,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":2594.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.47741000000000000103028696685214526951313018798828125,"hti":0.1574399999999999966160402209425228647887706756591796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":7.125,"monthlyPI":-2624.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364511.640000000013969838619232177734375,"totalInterest":420085.2899999999790452420711517333984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2624.07000000000016370904631912708282470703125},{"start":300,"end":300,"rate":7.125,"monthlyPI":-2622.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2607.36000000000012732925824820995330810546875,"totalInterest":15.480000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2622.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2624.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":420100.7700000000186264514923095703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2624.07000000000016370904631912708282470703125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.375,"rawBasePoints":-2.499000000000000110134124042815528810024261474609375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.124000000000000110134124042815528810024261474609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.124000000000000110134124042815528810024261474609375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.124000000000000110134124042815528810024261474609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.124000000000000110134124042815528810024261474609375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2624.07000000000016370904631912708282470703125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":2624.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_300","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-569946932,"dayLock":30},"criteriaKey":-569946932},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875],"monthlyPaymentMapByRate":{"5.625":2551.34999999999990905052982270717620849609375,"5.75":2577.48000000000001818989403545856475830078125,"5.875":2603.75,"5.99":2628.0399999999999636202119290828704833984375,"6.0":2630.15000000000009094947017729282379150390625,"6.25":2683.3800000000001091393642127513885498046875,"6.125":2656.6999999999998181010596454143524169921875,"6.375":2710.19000000000005456968210637569427490234375,"6.5":2737.13999999999987267074175179004669189453125,"5.5":2525.36000000000012732925824820995330810546875,"6.625":2764.21999999999979991116560995578765869140625,"6.75":2791.44000000000005456968210637569427490234375,"6.875":2818.7899999999999636202119290828704833984375},"data":{"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.473050000000000026023627697213669307529926300048828125,"hti":0.15307999999999999385380533567513339221477508544921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.625,"monthlyPI":-2551.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364577.8099999999976716935634613037109375,"totalInterest":245194.83999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2551.34999999999990905052982270717620849609375},{"start":240,"end":240,"rate":5.625,"monthlyPI":-2553.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2541.19000000000005456968210637569427490234375,"totalInterest":11.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2553.09999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2551.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":245206.75,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2551.34999999999990905052982270717620849609375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6270000000000000017763568394002504646778106689453125,"rawBasePoints":0.60099999999999997868371792719699442386627197265625,"adjustedPoints":0.0,"adjustedPointsBorrowerPaid":0.0,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":0.0,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0.0,"amount":0.0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":0.0,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.0,"borrowerPaidMinusCompDollarAmount":0.0,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0.0,"amount":0.0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02400000000000002131628207280300557613372802734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02400000000000002131628207280300557613372802734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00200000000000000004163336342344337026588618755340576171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00200000000000000004163336342344337026588618755340576171875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0260000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0260000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":0.0,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":0.0,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.0,"borrowerPaidAmount":0.0,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2551.34999999999990905052982270717620849609375,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2551.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":0.0,"qmPercentage":0.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":0.0,"discountPointsNoFees":0.0,"originationCredit":0.0,"originationCreditNoFees":0.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.474619999999999986339815905012073926627635955810546875,"hti":0.154650000000000009681144774731365032494068145751953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2578.36000000000012732925824820995330810546875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":251477.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2577.48000000000001818989403545856475830078125},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.7319999999999999840127884453977458178997039794921875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0180000000000000159872115546022541821002960205078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0180000000000000159872115546022541821002960205078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.092999999999999971578290569595992565155029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.092999999999999971578290569595992565155029296875,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053dc3ce8ad000017b5e3d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH20","displayName":"FHLMC Standard Agency 20 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 20 YR FIXED","expired":false,"productName":"20 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2577.48000000000001818989403545856475830078125,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2577.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.375,"undiscountedRate":5.75,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.476200000000000012168044349891715683043003082275390625,"hti":0.1562199999999999977529085981586831621825695037841796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.875,"monthlyPI":-2603.75,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364528.109999999986030161380767822265625,"totalInterest":257768.140000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2603.75},{"start":240,"end":240,"rate":5.875,"monthlyPI":-2603.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2590.88999999999987267074175179004669189453125,"totalInterest":12.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2603.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2603.75,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":257780.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2603.75},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.802000000000000046185277824406512081623077392578125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1319999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1319999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2603.75,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2603.75,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.47765000000000001900701818158267997205257415771484375,"hti":0.157679999999999986837195820044144056737422943115234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2628.0399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364505.51000000000931322574615478515625,"totalInterest":263596.0499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2628.0399999999999636202119290828704833984375},{"start":240,"end":240,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2626.5399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2613.489999999999781721271574497222900390625,"totalInterest":13.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2626.5399999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2628.0399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":263609.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2628.0399999999999636202119290828704833984375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.1699999999999999289457264239899814128875732421875,"rawBasePoints":-2.26100000000000012079226507921703159809112548828125,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0909999999999999698019337301957421004772186279296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0909999999999999698019337301957421004772186279296875,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2628.0399999999999636202119290828704833984375,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2628.0399999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.47777999999999998248512156351353041827678680419921875,"hti":0.157810000000000005826450433232821524143218994140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.0,"monthlyPI":-2630.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364499.849999999976716935634613037109375,"totalInterest":264106.0,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2630.15000000000009094947017729282379150390625},{"start":240,"end":240,"rate":6.0,"monthlyPI":-2632.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2619.15000000000009094947017729282379150390625,"totalInterest":13.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2632.25}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2630.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":264119.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2630.15000000000009094947017729282379150390625},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.1699999999999999289457264239899814128875732421875,"rawBasePoints":-2.287999999999999811706175023573450744152069091796875,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1180000000000001048050535246147774159908294677734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1180000000000001048050535246147774159908294677734375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2630.15000000000009094947017729282379150390625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2630.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.48097000000000000863309423948521725833415985107421875,"hti":0.1610000000000000042188474935755948536098003387451171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.25,"monthlyPI":-2683.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364451.5399999999790452420711517333984375,"totalInterest":276876.28000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2683.3800000000001091393642127513885498046875},{"start":240,"end":240,"rate":6.25,"monthlyPI":-2681.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2667.4600000000000363797880709171295166015625,"totalInterest":13.8900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2681.34999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2683.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":276890.1699999999837018549442291259765625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2683.3800000000001091393642127513885498046875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.4199999999999999289457264239899814128875732421875,"rawBasePoints":-2.55299999999999993605115378159098327159881591796875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05299999999999993605115378159098327159881591796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05299999999999993605115378159098327159881591796875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.13300000000000000710542735760100185871124267578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.13300000000000000710542735760100185871124267578125,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2683.3800000000001091393642127513885498046875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2683.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.479370000000000018314239014216582290828227996826171875,"hti":0.1593999999999999861444166526780463755130767822265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.125,"monthlyPI":-2656.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364477.0599999999976716935634613037109375,"totalInterest":270474.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2656.6999999999998181010596454143524169921875},{"start":240,"end":240,"rate":6.125,"monthlyPI":-2655.420000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2641.94000000000005456968210637569427490234375,"totalInterest":13.480000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2655.420000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2656.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":270487.71999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2656.6999999999998181010596454143524169921875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.1270000000000000017763568394002504646778106689453125,"rawBasePoints":-0.91500000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03999999999999999389377336456163902767002582550048828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03999999999999999389377336456163902767002582550048828125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0420000000000000373034936274052597582340240478515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0420000000000000373034936274052597582340240478515625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2656.6999999999998181010596454143524169921875,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2656.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.482580000000000008952838470577262341976165771484375,"hti":0.1626100000000000045385917246676399372518062591552734375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.375,"monthlyPI":-2710.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364422.5200000000186264514923095703125,"totalInterest":283312.890000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2710.19000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.375,"monthlyPI":-2710.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2696.48000000000001818989403545856475830078125,"totalInterest":14.3300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2710.80999999999994543031789362430572509765625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2710.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":283327.21999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2710.19000000000005456968210637569427490234375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.986000000000000209610107049229554831981658935546875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a38f5ce8ad0000119db8e","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":240,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 20 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 20 Yr Fixed","expired":true,"productName":"20 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2710.19000000000005456968210637569427490234375,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2710.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.484200000000000019273471707492717541754245758056640625,"hti":0.16422999999999998710364934595418162643909454345703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.5,"monthlyPI":-2737.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364396.21999999997206032276153564453125,"totalInterest":289780.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2737.13999999999987267074175179004669189453125},{"start":240,"end":240,"rate":6.5,"monthlyPI":-2737.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2722.78000000000020008883439004421234130859375,"totalInterest":14.75,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2737.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2737.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":289794.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2737.13999999999987267074175179004669189453125},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-2.013999999999999790389892950770445168018341064453125,"rawBasePoints":-3.20999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08499999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08499999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1959999999999999520383653361932374536991119384765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1959999999999999520383653361932374536991119384765625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a36d0ce8ad0000119bef0","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":240,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 20 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 20 Yr Fixed","expired":true,"productName":"20 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2737.13999999999987267074175179004669189453125,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2737.13999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.125,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.471490000000000020197177263980847783386707305908203125,"hti":0.15151999999999998802735490244231186807155609130859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2527.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":238969.58999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2525.36000000000012732925824820995330810546875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.12699999999999977973175191436894237995147705078125,"rawBasePoints":1.0769999999999999573674358543939888477325439453125,"adjustedPoints":0.5,"adjustedPointsBorrowerPaid":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.56099999999999994315658113919198513031005859375,"borrowerPaid":1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.5,"borrowerPaidMinusCompDollarAmount":1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0480000000000000426325641456060111522674560546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0480000000000000426325641456060111522674560546875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0500000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0500000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"apr":5.561099999999999710098563809879124164581298828125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.5,"borrowerPaidAmount":1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2525.36000000000012732925824820995330810546875,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2525.36000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":1835.595000000000027284841053187847137451171875,"qmPercentage":0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":0.5,"discountPointsNoFees":0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.485819999999999974082953713150345720350742340087890625,"hti":0.165849999999999997424282582869636826217174530029296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.625,"monthlyPI":-2764.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364367.9299999999930150806903839111328125,"totalInterest":296280.650000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2764.21999999999979991116560995578765869140625},{"start":240,"end":240,"rate":6.625,"monthlyPI":-2766.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2751.07000000000016370904631912708282470703125,"totalInterest":15.1899999999999995026200849679298698902130126953125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2766.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2764.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":296295.8400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2764.21999999999979991116560995578765869140625},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.6029999999999999804600747665972448885440826416015625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1029999999999999804600747665972448885440826416015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1029999999999999804600747665972448885440826416015625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.213999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.213999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a84cedfd0001d74ab7","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c27e4b075db336841dc","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 20 Year Fixed","displayName":"20 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"20 Year Fixed Conforming FHLMC LP","expired":false,"productName":"20 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2764.21999999999979991116560995578765869140625,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2764.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.487460000000000004405364961712621152400970458984375,"hti":0.1674799999999999899902292099795886315405368804931640625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.75,"monthlyPI":-2791.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364342.8400000000256113708019256591796875,"totalInterest":302811.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2791.44000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.75,"monthlyPI":-2791.78000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2776.15999999999985448084771633148193359375,"totalInterest":15.6199999999999992184029906638897955417633056640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2791.78000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2791.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":302826.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2791.44000000000005456968210637569427490234375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.7359999999999999875655021241982467472553253173828125,"rawBasePoints":-0.423999999999999988009591334048309363424777984619140625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.04900000000000004352074256530613638460636138916015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.04900000000000004352074256530613638460636138916015625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.160000000000000142108547152020037174224853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.160000000000000142108547152020037174224853515625,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a84cedfd0001d74ab7","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c27e4b075db336841dc","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 20 Year Fixed","displayName":"20 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"20 Year Fixed Conforming FHLMC LP","expired":false,"productName":"20 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2791.44000000000005456968210637569427490234375,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2791.44000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.48909999999999997921662497901706956326961517333984375,"hti":0.169119999999999992557064842912950552999973297119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.875,"monthlyPI":-2818.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364316.4799999999813735485076904296875,"totalInterest":309374.3300000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2818.7899999999999636202119290828704833984375},{"start":240,"end":240,"rate":6.875,"monthlyPI":-2818.579999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2802.51999999999998181010596454143524169921875,"totalInterest":16.059999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2818.579999999999927240423858165740966796875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2818.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":309390.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2818.7899999999999636202119290828704833984375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.5260000000000000230926389122032560408115386962890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0260000000000000230926389122032560408115386962890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0260000000000000230926389122032560408115386962890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"57697b96e4b075db3367e32a","name":"Conventional DU Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"57697c27e4b075db336841dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming 20 Year Fixed","displayName":"20 Year Fixed Conforming  FNMA DU"},"conditionActions":[],"programName":"20 Year Fixed Conforming  FNMA DU","expired":false,"productName":"20 Year Fixed Conforming  FNMA DU","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2818.7899999999999636202119290828704833984375,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2818.7899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.125,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_240","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-570751289,"dayLock":30},"criteriaKey":-570751289},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125],"monthlyPaymentMapByRate":{"5.75":2142.40999999999985448084771633148193359375,"5.875":2171.65000000000009094947017729282379150390625,"5.99":2198.6999999999998181010596454143524169921875,"6.0":2201.05999999999994543031789362430572509765625,"6.125":2230.65000000000009094947017729282379150390625,"6.25":2260.40999999999985448084771633148193359375,"5.625":2113.34000000000014551915228366851806640625,"6.375":2290.34000000000014551915228366851806640625,"6.75":2381.1300000000001091393642127513885498046875,"6.5":2320.44000000000005456968210637569427490234375,"6.625":2350.6999999999998181010596454143524169921875,"6.875":2411.7100000000000363797880709171295166015625,"7.0":2442.4499999999998181010596454143524169921875,"7.125":2473.34999999999990905052982270717620849609375},"data":{"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.448519999999999974260589397090370766818523406982421875,"hti":0.12853999999999998760102926098625175654888153076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.75,"monthlyPI":-2142.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364989.53000000002793967723846435546875,"totalInterest":404135.6599999999743886291980743408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2142.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":5.75,"monthlyPI":-2139.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2129.46999999999979991116560995578765869140625,"totalInterest":10.199999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2139.670000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2142.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":404145.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2142.40999999999985448084771633148193359375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.7520000000000000017763568394002504646778106689453125,"rawBasePoints":0.629000000000000003552713678800500929355621337890625,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.76199999999999956656893118633888661861419677734375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.120999999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.120999999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":5.7614999999999998436805981327779591083526611328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"68acac81ae53c9e3767c1a3c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 25/30yr Fixed - 350k < Bal <= 375k","displayName":"FNMA 30yr Fixed - 350k < Bal <= 375k"},"conditionActions":[],"programName":"FNMA 30yr Fixed - 350k < Bal <= 375k","expired":true,"productName":"30yr Fixed - 350k < Bal <= 375k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2142.40999999999985448084771633148193359375,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2142.40999999999985448084771633148193359375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.450270000000000003570477247194503434002399444580078125,"hti":0.1302999999999999991562305012848810292780399322509765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2169.09999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":414672.4500000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2171.65000000000009094947017729282379150390625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.57599999999999995647925743469386361539363861083984375,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1239999999999998880895191177842207252979278564453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1239999999999998880895191177842207252979278564453125,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2171.65000000000009094947017729282379150390625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2171.65000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.45189000000000001389111048410995863378047943115234375,"hti":0.1319200000000000094768637382003362290561199188232421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2198.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364927.2000000000116415321826934814453125,"totalInterest":424406.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2198.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2202.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2191.8000000000001818989403545856475830078125,"totalInterest":10.9399999999999995026200849679298698902130126953125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2202.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2198.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":424417.0399999999790452420711517333984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2198.6999999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.1999999999999999555910790149937383830547332763671875,"rawBasePoints":0.1000000000000000055511151231257827021181583404541015625,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.024999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.024999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0999999999999998667732370449812151491641998291015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0999999999999998667732370449812151491641998291015625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2198.6999999999998181010596454143524169921875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2198.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.452029999999999987370102871864219196140766143798828125,"hti":0.132060000000000010711431741583510302007198333740234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.0,"monthlyPI":-2201.05999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364925.130000000004656612873077392578125,"totalInterest":425255.4099999999743886291980743408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2201.05999999999994543031789362430572509765625},{"start":360,"end":360,"rate":6.0,"monthlyPI":-2204.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2193.8699999999998908606357872486114501953125,"totalInterest":10.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2204.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2201.05999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":425266.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2201.05999999999994543031789362430572509765625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.1999999999999999555910790149937383830547332763671875,"rawBasePoints":0.058000000000000002942091015256664832122623920440673828125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0669999999999999484856516573927365243434906005859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0669999999999999484856516573927365243434906005859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2201.05999999999994543031789362430572509765625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2201.05999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.453809999999999991171506508180755190551280975341796875,"hti":0.1338399999999999867572597622711327858269214630126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.125,"monthlyPI":-2230.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364895.7299999999813735485076904296875,"totalInterest":435907.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2230.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":6.125,"monthlyPI":-2234.6199999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2223.26999999999998181010596454143524169921875,"totalInterest":11.3499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2234.6199999999998908606357872486114501953125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2230.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":435918.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2230.65000000000009094947017729282379150390625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.430999999999999994226840271949185989797115325927734375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05600000000000004973799150320701301097869873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05600000000000004973799150320701301097869873046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1310000000000000053290705182007513940334320068359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1310000000000000053290705182007513940334320068359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2230.65000000000009094947017729282379150390625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2230.65000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.455600000000000004973799150320701301097869873046875,"hti":0.1356199999999999905586633985876687802374362945556640625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.25,"monthlyPI":-2260.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364865.8099999999976716935634613037109375,"totalInterest":446621.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2260.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":6.25,"monthlyPI":-2264.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2253.19000000000005456968210637569427490234375,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2264.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2260.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":446633.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2260.40999999999985448084771633148193359375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.39000000000000001332267629550187848508358001708984375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0900000000000000799360577730112709105014801025390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0900000000000000799360577730112709105014801025390625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2260.40999999999985448084771633148193359375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2260.40999999999985448084771633148193359375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.44677000000000000046185277824406512081623077392578125,"hti":0.1267999999999999960476060323344427160918712615966796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2117.03000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":393687.0900000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2113.34000000000014551915228366851806640625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.57500000000000017763568394002504646778106689453125,"rawBasePoints":1.4339999999999999413802242997917346656322479248046875,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.65899999999999980815346134477294981479644775390625,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.06599999999999983657517077517695724964141845703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.06599999999999983657517077517695724964141845703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1409999999999997921662497901706956326961517333984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1409999999999997921662497901706956326961517333984375,"totalNoteRateAdjustment":0.0},"apr":5.6592999999999999971578290569595992565155029296875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2113.34000000000014551915228366851806640625,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2113.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.457390000000000018776091792460647411644458770751953125,"hti":0.13741999999999998660626943092211149632930755615234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.375,"monthlyPI":-2290.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364835.6799999999930150806903839111328125,"totalInterest":457396.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2290.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":6.375,"monthlyPI":-2295.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2283.32000000000016370904631912708282470703125,"totalInterest":12.1300000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2295.4499999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2290.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":457408.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2290.34000000000014551915228366851806640625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.071000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.071000000000000174082970261224545538425445556640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.071000000000000174082970261224545538425445556640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1820000000000001616484723854227922856807708740234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1820000000000001616484723854227922856807708740234375,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a352bce8ad0000119af36","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":360,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FNMA","displayName":"FNMA Conforming 30 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 30 Yr Fixed","expired":true,"productName":"30 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2290.34000000000014551915228366851806640625,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2290.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.462839999999999973656628071694285608828067779541015625,"hti":0.1428599999999999869970679355901665985584259033203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.75,"monthlyPI":-2381.1300000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364754.599999999976716935634613037109375,"totalInterest":490071.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2381.1300000000001091393642127513885498046875},{"start":360,"end":360,"rate":6.75,"monthlyPI":-2377.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2364.40000000000009094947017729282379150390625,"totalInterest":13.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2377.6999999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2381.1300000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":490084.369999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2381.1300000000001091393642127513885498046875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.12000000000000010658141036401502788066864013671875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3847ce8ad0000119d9cb","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":360,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FHLMC","displayName":"FHLMC Conforming 30 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 30 Yr Fixed","expired":true,"productName":"30 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2381.1300000000001091393642127513885498046875,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2381.1300000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.459199999999999997069011214989586733281612396240234375,"hti":0.13922000000000001040945107888546772301197052001953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.5,"monthlyPI":-2320.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364808.9400000000023283064365386962890625,"totalInterest":468229.0200000000186264514923095703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2320.44000000000005456968210637569427490234375},{"start":360,"end":360,"rate":6.5,"monthlyPI":-2322.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2310.05999999999994543031789362430572509765625,"totalInterest":12.5099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2322.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2320.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":468241.53000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2320.44000000000005456968210637569427490234375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.50900000000000000799360577730112709105014801025390625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00900000000000000799360577730112709105014801025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00900000000000000799360577730112709105014801025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a04cedfd0001d747ef","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 30/25 Year Fixed","displayName":"30 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"30 Year Fixed Conforming FHLMC LP","expired":false,"productName":"30 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2320.44000000000005456968210637569427490234375,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2320.44000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.375,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.461009999999999975361930637518526054918766021728515625,"hti":0.141039999999999998703259507237817160785198211669921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.625,"monthlyPI":-2350.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364777.5200000000186264514923095703125,"totalInterest":479123.78000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2350.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":6.625,"monthlyPI":-2354.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2341.48000000000001818989403545856475830078125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2354.40999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2350.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":479136.7100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2350.6999999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.3609999999999999875655021241982467472553253173828125,"rawBasePoints":-0.79500000000000003996802888650563545525074005126953125,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0450000000000000122124532708767219446599483489990234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0450000000000000122124532708767219446599483489990234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2350.6999999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2350.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.46467000000000002746247673712787218391895294189453125,"hti":0.144699999999999995292654375589336268603801727294921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.875,"monthlyPI":-2411.7100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364720.3200000000069849193096160888671875,"totalInterest":501083.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2411.7100000000000363797880709171295166015625},{"start":360,"end":360,"rate":6.875,"monthlyPI":-2412.420000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2398.67999999999983629095368087291717529296875,"totalInterest":13.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2412.420000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2411.7100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":501097.3099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2411.7100000000000363797880709171295166015625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.01400000000000000029143354396410359186120331287384033203125,"rawBasePoints":-1.18900000000000005684341886080801486968994140625,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1750000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1750000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2411.7100000000000363797880709171295166015625,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2411.7100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.466519999999999990247800951692624948918819427490234375,"hti":0.14654000000000000358824081558850593864917755126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":7.0,"monthlyPI":-2442.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364688.5200000000186264514923095703125,"totalInterest":512151.03000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2442.4499999999998181010596454143524169921875},{"start":360,"end":360,"rate":7.0,"monthlyPI":-2444.65999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2430.48000000000001818989403545856475830078125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2444.65999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2442.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":512165.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2442.4499999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.2640000000000000124344978758017532527446746826171875,"rawBasePoints":-1.4939999999999999946709294817992486059665679931640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1189999999999999946709294817992486059665679931640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1189999999999999946709294817992486059665679931640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2442.4499999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":2442.4499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.468370000000000008544276397515204735100269317626953125,"hti":0.1484000000000000041300296516055823303759098052978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":7.125,"monthlyPI":-2473.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364661.8099999999976716935634613037109375,"totalInterest":523270.8400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2473.34999999999990905052982270717620849609375},{"start":360,"end":360,"rate":7.125,"monthlyPI":-2471.78000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2457.19000000000005456968210637569427490234375,"totalInterest":14.589999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2471.78000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2473.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":523285.4299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2473.34999999999990905052982270717620849609375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-1.7849999999999999200639422269887290894985198974609375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03500000000000003108624468950438313186168670654296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03500000000000003108624468950438313186168670654296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1460000000000001296740492762182839214801788330078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1460000000000001296740492762182839214801788330078125,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2473.34999999999990905052982270717620849609375,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":2473.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_360","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-569768186,"dayLock":30},"criteriaKey":-569768186},{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a2","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 YEAR FIXED CONFORMING","displayName":"10 Yr Fannie Fixed"},"conditionActions":[],"programName":"10 Yr Fannie Fixed","expired":false,"productName":"10 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a2","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 YEAR FIXED CONFORMING","displayName":"10 Yr Fannie Fixed"},"conditionActions":[],"programName":"10 Yr Fannie Fixed","expired":false,"productName":"10 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392}],"keyMap":{"-569768186":{"terms":"Terms_360","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-569768186,"dayLock":30},"-571734392":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571734392,"dayLock":30},"-569946932":{"terms":"Terms_300","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-569946932,"dayLock":30},"-570751289":{"terms":"Terms_240","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-570751289,"dayLock":30},"-571555646":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":null,"key":-571555646,"dayLock":30}},"requestId":"698441bd0c4f430001659315","allRateProducts":[],"serialTime":1}}} 
[2026-02-05 07:07:44] local.INFO: Processing API response resultMap- {"response_obj":[{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625,6.75,6.875,6.9900000000000002131628207280300557613372802734375,7.0,7.125],"monthlyPaymentMapByRate":{"5.75":2309.57000000000016370904631912708282470703125,"5.875":2337.3800000000001091393642127513885498046875,"5.99":2363.11000000000012732925824820995330810546875,"6.0":2365.34999999999990905052982270717620849609375,"6.125":2393.48000000000001818989403545856475830078125,"6.25":2421.76999999999998181010596454143524169921875,"5.625":2281.920000000000072759576141834259033203125,"6.375":2450.21999999999979991116560995578765869140625,"6.49":2476.51999999999998181010596454143524169921875,"6.5":2478.80999999999994543031789362430572509765625,"6.625":2507.55999999999994543031789362430572509765625,"6.75":2536.46999999999979991116560995578765869140625,"6.875":2565.51999999999998181010596454143524169921875,"6.99":2592.3800000000001091393642127513885498046875,"7.0":2594.71999999999979991116560995578765869140625,"7.125":2624.07000000000016370904631912708282470703125},"data":{"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.4585500000000000131450406115618534386157989501953125,"hti":0.1385699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.75,"monthlyPI":-2309.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364821.0399999999790452420711517333984375,"totalInterest":325740.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2309.57000000000016370904631912708282470703125},{"start":300,"end":300,"rate":5.75,"monthlyPI":-2308.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2297.9600000000000363797880709171295166015625,"totalInterest":11.0099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2308.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2309.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":325751.400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2309.57000000000016370904631912708282470703125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.7520000000000000017763568394002504646778106689453125,"rawBasePoints":0.629000000000000003552713678800500929355621337890625,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.7629999999999999005240169935859739780426025390625,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.120999999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.120999999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":5.7629999999999999005240169935859739780426025390625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"68acadb856859ae85c7bf756","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"68acac81ae53c9e3767c1a3c","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 25yr Fixed - 350k < Bal <= 375k","displayName":"FNMA 25yr Fixed - 350k < Bal <= 375k"},"conditionActions":[],"programName":"FNMA 25yr Fixed - 350k < Bal <= 375k","expired":true,"productName":"25yr Fixed - 350k < Bal <= 375k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2309.57000000000016370904631912708282470703125,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2309.57000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.460210000000000007958078640513122081756591796875,"hti":0.1402400000000000035438318946034996770322322845458984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2338.11000000000012732925824820995330810546875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":334095.7299999999813735485076904296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2337.3800000000001091393642127513885498046875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.71099999999999996536104163169511593878269195556640625,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11399999999999987920773492078296840190887451171875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11399999999999987920773492078296840190887451171875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2337.3800000000001091393642127513885498046875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2337.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.461760000000000003783640067922533489763736724853515625,"hti":0.1417799999999999893685043161895009689033031463623046875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2363.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364767.9199999999837018549442291259765625,"totalInterest":341801.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2363.11000000000012732925824820995330810546875},{"start":300,"end":300,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2362.82000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2351.079999999999927240423858165740966796875,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2362.82000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2363.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":341813.7100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2363.11000000000012732925824820995330810546875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":0.24899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2363.11000000000012732925824820995330810546875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2363.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.46189000000000002277289468111121095716953277587890625,"hti":0.141919999999999990603072319572675041854381561279296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.0,"monthlyPI":-2365.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364763.4600000000209547579288482666015625,"totalInterest":342476.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2365.34999999999990905052982270717620849609375},{"start":300,"end":300,"rate":6.0,"monthlyPI":-2367.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2355.5399999999999636202119290828704833984375,"totalInterest":11.7799999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2367.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2365.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":342487.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2365.34999999999990905052982270717620849609375},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.72499999999999997779553950749686919152736663818359375,"rawBasePoints":-1.7729999999999999094058011905872263014316558837890625,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"adjustmentPointsBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"rawAdjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"rawAdjustmentPointsBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"finalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.070000000000000006661338147750939242541790008544921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.070000000000000006661338147750939242541790008544921875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"finalAdjustment":-0.070000000000000006661338147750939242541790008544921875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.000% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.070000000000000006661338147750939242541790008544921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.070000000000000006661338147750939242541790008544921875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02300000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02300000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02500000000000002220446049250313080847263336181640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02500000000000002220446049250313080847263336181640625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0480000000000000426325641456060111522674560546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0480000000000000426325641456060111522674560546875,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"62faa271ce8ad00001a9a178","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f59e","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Yr Freddie Fixed","displayName":"25 Yr Freddie Fixed"},"conditionActions":[],"programName":"25 Yr Freddie Fixed","expired":false,"productName":"25 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2365.34999999999990905052982270717620849609375,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2365.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.25,"undiscountedRate":5.875,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.1499999999999999944488848768742172978818416595458984375,"totalGroupAdjustmentProperties":-0.1499999999999999944488848768742172978818416595458984375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.46357999999999999207744849627488292753696441650390625,"hti":0.1436099999999999876632017503652605228126049041748046875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.125,"monthlyPI":-2393.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364734.9500000000116415321826934814453125,"totalInterest":350915.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2393.48000000000001818989403545856475830078125},{"start":300,"end":300,"rate":6.125,"monthlyPI":-2396.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2384.0500000000001818989403545856475830078125,"totalInterest":12.1699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2396.21999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2393.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":350927.73999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2393.48000000000001818989403545856475830078125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.311999999999999999555910790149937383830547332763671875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0620000000000000550670620214077644050121307373046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0620000000000000550670620214077644050121307373046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2393.48000000000001818989403545856475830078125,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2393.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.46528000000000002689404254851979203522205352783203125,"hti":0.1453000000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.25,"monthlyPI":-2421.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364708.6699999999837018549442291259765625,"totalInterest":359400.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2421.76999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.25,"monthlyPI":-2422.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2410.329999999999927240423858165740966796875,"totalInterest":12.550000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2422.8800000000001091393642127513885498046875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2421.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":359413.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2421.76999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.8970000000000000195399252334027551114559173583984375,"rawBasePoints":-2.0030000000000001136868377216160297393798828125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"adjustmentPointsBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"rawAdjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"rawAdjustmentPointsBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"finalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.39800000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.39800000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"621d1019ce8ad00001dd67fd","name":"Adjustments - Agency Spec Pay Tables","pointBase":false,"type":"RATE","totalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"finalAdjustment":-0.39800000000000002042810365310288034379482269287109375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"621d1019ce8ad00001dd67fd","attributes":[],"key":"Conventional 30 Yr Spec Pay Table - 6.250% / Loan Amount >=$350,001 < $375,000","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.39800000000000002042810365310288034379482269287109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.39800000000000002042810365310288034379482269287109375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1029999999999999804600747665972448885440826416015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1029999999999999804600747665972448885440826416015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"62faa271ce8ad00001a9a178","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"55600153e4b0cf20a341f59e","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Yr Freddie Fixed","displayName":"25 Yr Freddie Fixed"},"conditionActions":[],"programName":"25 Yr Freddie Fixed","expired":false,"productName":"25 Yr Freddie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2421.76999999999998181010596454143524169921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2421.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.25,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.4779999999999999804600747665972448885440826416015625,"totalGroupAdjustmentProperties":-0.4779999999999999804600747665972448885440826416015625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.456890000000000018332002582610584795475006103515625,"hti":0.1369100000000000039168668308775522746145725250244140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":317456.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2281.920000000000072759576141834259033203125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.70000000000000017763568394002504646778106689453125,"rawBasePoints":1.5620000000000000550670620214077644050121307373046875,"adjustedPoints":0.5,"adjustedPointsBorrowerPaid":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.67699999999999960209606797434389591217041015625,"borrowerPaid":1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.5,"borrowerPaidMinusCompDollarAmount":1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.063000000000000166977542903623543679714202880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.063000000000000166977542903623543679714202880859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1380000000000001225686219186172820627689361572265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1380000000000001225686219186172820627689361572265625,"totalNoteRateAdjustment":0.0},"apr":5.676899999999999835154085303656756877899169921875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053ec1ce8ad000017fa77d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH30","displayName":"FHLMC Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.5,"borrowerPaidAmount":1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2281.920000000000072759576141834259033203125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2281.920000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1835.595000000000027284841053187847137451171875,"qmPercentage":0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.5,"discountPointsNoFees":0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.466980000000000006199485369506874121725559234619140625,"hti":0.1470100000000000017852386235972517170011997222900390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.375,"monthlyPI":-2450.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364685.130000000004656612873077392578125,"totalInterest":367930.650000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2450.21999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.375,"monthlyPI":-2446.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2433.8699999999998908606357872486114501953125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2446.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2450.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":367943.5800000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2450.21999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.071000000000000174082970261224545538425445556640625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.071000000000000174082970261224545538425445556640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.071000000000000174082970261224545538425445556640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.10700000000000020605739337042905390262603759765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.10700000000000020605739337042905390262603759765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3654ce8ad0000119bdd5","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":300,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"629a352bce8ad0000119af36","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FNMA","displayName":"FNMA Conforming 25 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 25 Yr Fixed","expired":true,"productName":"25 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2450.21999999999979991116560995578765869140625,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2450.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.46855999999999997651656258312868885695934295654296875,"hti":0.148589999999999999857891452847979962825775146484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364655.5900000000256113708019256591796875,"totalInterest":375823.890000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2476.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.73000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2463.40999999999985448084771633148193359375,"totalInterest":13.32000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2476.73000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2476.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":375837.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2476.51999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.25,"rawBasePoints":-1.29000000000000003552713678800500929355621337890625,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.039999999999999980015985556747182272374629974365234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.039999999999999980015985556747182272374629974365234375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2476.51999999999998181010596454143524169921875,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":2476.51999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.46870000000000000550670620214077644050121307373046875,"hti":0.1487300000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.5,"monthlyPI":-2478.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364650.609999999986030161380767822265625,"totalInterest":376513.5800000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2478.80999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.5,"monthlyPI":-2481.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2468.38999999999987267074175179004669189453125,"totalInterest":13.3699999999999992184029906638897955417633056640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2481.760000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2478.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":376526.9500000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2478.80999999999994543031789362430572509765625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.50900000000000000799360577730112709105014801025390625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00900000000000000799360577730112709105014801025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00900000000000000799360577730112709105014801025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"615a021bce8ad0000199d419","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"5ab2b1a04cedfd0001d747ef","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"25 Year Fixed Conforming LP","displayName":"25 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"25 Year Fixed Conforming FHLMC LP","expired":false,"productName":"25 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2478.80999999999994543031789362430572509765625,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2478.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.375,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.470420000000000004813927034774678759276866912841796875,"hti":0.1504500000000000003996802888650563545525074005126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.625,"monthlyPI":-2507.55999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364621.76000000000931322574615478515625,"totalInterest":385138.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2507.55999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.625,"monthlyPI":-2511.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2497.239999999999781721271574497222900390625,"totalInterest":13.78999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2511.03000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2507.55999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":385152.46999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2507.55999999999994543031789362430572509765625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.5,"rawBasePoints":-1.5829999999999999626965063725947402417659759521484375,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0829999999999999626965063725947402417659759521484375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0829999999999999626965063725947402417659759521484375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0829999999999999626965063725947402417659759521484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0829999999999999626965063725947402417659759521484375,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2507.55999999999994543031789362430572509765625,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2507.55999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.47216000000000002412292587905540131032466888427734375,"hti":0.152189999999999991953103517516865395009517669677734375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.75,"monthlyPI":-2536.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364598.6799999999930150806903839111328125,"totalInterest":393805.849999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2536.46999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.75,"monthlyPI":-2534.5,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2520.32000000000016370904631912708282470703125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2534.5}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2536.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":393820.03000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2536.46999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.12000000000000010658141036401502788066864013671875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a388bce8ad0000119db13","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":300,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"629a3847ce8ad0000119d9cb","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FHLMC","displayName":"FHLMC Conforming 25 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 25 Yr Fixed","expired":true,"productName":"25 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2536.46999999999979991116560995578765869140625,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2536.46999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.473899999999999987920773492078296840190887451171875,"hti":0.15393000000000001126210236179758794605731964111328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.875,"monthlyPI":-2565.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364568.0200000000186264514923095703125,"totalInterest":402522.4600000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2565.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.875,"monthlyPI":-2565.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2550.98000000000001818989403545856475830078125,"totalInterest":14.6099999999999994315658113919198513031005859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2565.59000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2565.51999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":402537.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2565.51999999999998181010596454143524169921875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0,"rawBasePoints":-2.00499999999999989341858963598497211933135986328125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00499999999999989341858963598497211933135986328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00499999999999989341858963598497211933135986328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.00499999999999989341858963598497211933135986328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.00499999999999989341858963598497211933135986328125,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2565.51999999999998181010596454143524169921875,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2565.51999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.9900000000000002131628207280300557613372802734375,"dti":0.47550999999999998824051772317034192383289337158203125,"hti":0.1555400000000000115818465928896330296993255615234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":6.9900000000000002131628207280300557613372802734375,"baseRates":6.9900000000000002131628207280300557613372802734375,"adjustedRates":6.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2592.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364542.4099999999743886291980743408203125,"totalInterest":410579.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2592.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2591.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2576.59000000000014551915228366851806640625,"totalInterest":15.0099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2591.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2592.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":410594.21999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2592.3800000000001091393642127513885498046875},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.125,"rawBasePoints":-2.225000000000000088817841970012523233890533447265625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":6.9900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.100000000000000088817841970012523233890533447265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.100000000000000088817841970012523233890533447265625,"totalNoteRateAdjustment":0.0},"apr":6.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2592.3800000000001091393642127513885498046875,"interestOnlyAmount":2138.46999999999979991116560995578765869140625,"interestPlusFixedPrinciple":2592.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.47565000000000001723066134218242950737476348876953125,"hti":0.1556800000000000128164145962728071026504039764404296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":7.0,"monthlyPI":-2594.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364538.78000000002793967723846435546875,"totalInterest":411282.5,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2594.71999999999979991116560995578765869140625},{"start":300,"end":300,"rate":7.0,"monthlyPI":-2595.26999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2580.21999999999979991116560995578765869140625,"totalInterest":15.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2595.26999999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2594.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":411297.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2594.71999999999979991116560995578765869140625},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.25,"rawBasePoints":-2.257000000000000117239551400416530668735504150390625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0069999999999998951949464753852225840091705322265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0069999999999998951949464753852225840091705322265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0069999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0069999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2594.71999999999979991116560995578765869140625,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":2594.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.47741000000000000103028696685214526951313018798828125,"hti":0.1574399999999999966160402209425228647887706756591796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":299,"rate":7.125,"monthlyPI":-2624.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364511.640000000013969838619232177734375,"totalInterest":420085.2899999999790452420711517333984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2624.07000000000016370904631912708282470703125},{"start":300,"end":300,"rate":7.125,"monthlyPI":-2622.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2607.36000000000012732925824820995330810546875,"totalInterest":15.480000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2622.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2624.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":420100.7700000000186264514923095703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2624.07000000000016370904631912708282470703125},"multiSearchKey":-569946932,"multiSearchKeyV2":-569946932,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.375,"rawBasePoints":-2.499000000000000110134124042815528810024261474609375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.0,"adjustmentPointsBorrowerPaid":0.0,"rawAdjustmentPoints":0.0,"rawAdjustmentPointsBorrowerPaid":0.0,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.124000000000000110134124042815528810024261474609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.124000000000000110134124042815528810024261474609375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.124000000000000110134124042815528810024261474609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.124000000000000110134124042815528810024261474609375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067cf5ce8ad00001b50b79","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[25],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 25 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 25 YR FIXED","expired":false,"productName":"25 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2624.07000000000016370904631912708282470703125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":2624.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.25,"undiscountedRate":6.4900000000000002131628207280300557613372802734375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.0,"totalGroupAdjustmentProperties":0.0,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_300","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-569946932,"dayLock":30},"criteriaKey":-569946932}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125,7.25,7.375],"monthlyPaymentMapByRate":{"4.99":2901.239999999999781721271574497222900390625,"5.0":2903.15000000000009094947017729282379150390625,"5.125":2927.11000000000012732925824820995330810546875,"5.25":2951.19000000000005456968210637569427490234375,"5.375":2975.3699999999998908606357872486114501953125,"5.49":2997.71999999999979991116560995578765869140625,"5.5":2999.670000000000072759576141834259033203125,"5.625":3024.079999999999927240423858165740966796875,"5.75":3048.59000000000014551915228366851806640625,"5.875":3073.21999999999979991116560995578765869140625,"6.0":3097.9600000000000363797880709171295166015625,"6.125":3122.80999999999994543031789362430572509765625,"6.25":3147.760000000000218278728425502777099609375,"6.375":3172.829999999999927240423858165740966796875,"6.5":3198.0,"6.625":3223.28000000000020008883439004421234130859375,"6.75":3248.670000000000072759576141834259033203125,"6.875":3274.170000000000072759576141834259033203125,"7.0":3299.76999999999998181010596454143524169921875,"7.125":3325.48000000000001818989403545856475830078125,"7.25":3351.2899999999999636202119290828704833984375,"7.375":3377.2100000000000363797880709171295166015625},"data":{"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.494039999999999979163334273835062049329280853271484375,"hti":0.174070000000000002504663143554353155195713043212890625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2901.239999999999781721271574497222900390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.32500000000000017763568394002504646778106689453125,"rawBasePoints":1.157000000000000028421709430404007434844970703125,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.04699999999999970867747833835892379283905029296875,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.092999999999999971578290569595992565155029296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.092999999999999971578290569595992565155029296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1679999999999999271693695845897309482097625732421875,"totalNoteRateAdjustment":0.0},"apr":5.047100000000000363797880709171295166015625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2901.239999999999781721271574497222900390625,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2901.239999999999781721271574497222900390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.494159999999999988151699881200329400599002838134765625,"hti":0.174190000000000011493028750919620506465435028076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.0,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5.0,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2904.13999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2903.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":155448.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2903.15000000000009094947017729282379150390625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.20000000000000017763568394002504646778106689453125,"rawBasePoints":1.1149999999999999911182158029987476766109466552734375,"adjustedPoints":0.25,"adjustedPointsBorrowerPaid":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.038000000000000255795384873636066913604736328125,"borrowerPaid":917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.25,"borrowerPaidMinusCompDollarAmount":917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0099999999999997868371792719699442386627197265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0099999999999997868371792719699442386627197265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0849999999999997424282582869636826217174530029296875,"totalNoteRateAdjustment":0.0},"apr":5.038000000000000255795384873636066913604736328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df9cbce8ad000012d6ff6","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA15","displayName":"FNMA Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.25,"borrowerPaidAmount":917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2903.15000000000009094947017729282379150390625,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":2903.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":917.7975000000000136424205265939235687255859375,"qmPercentage":0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":0.0,"undiscountedRate":5.125,"discountPoints":0.25,"discountPointsNoFees":0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.495599999999999984989784707067883573472499847412109375,"hti":0.17561999999999999833022457096376456320285797119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2928.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2927.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":159762.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2927.11000000000012732925824820995330810546875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.737999999999999989341858963598497211933135986328125,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.012000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.012000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0869999999999999662492200513952411711215972900390625,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2927.11000000000012732925824820995330810546875,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2927.11000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.497039999999999981827869532935437746345996856689453125,"hti":0.177070000000000005169198402654728852212429046630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2951.19000000000005456968210637569427490234375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.5749999999999999555910790149937383830547332763671875,"rawBasePoints":0.48899999999999999023003738329862244427204132080078125,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.085999999999999854338739169179461896419525146484375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2951.19000000000005456968210637569427490234375,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":2951.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.49848999999999998866684336462640203535556793212890625,"hti":0.1785200000000000120081722343456931412220001220703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2976.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2975.3699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":168448.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2975.3699999999998908606357872486114501953125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.7649999999999999023003738329862244427204132080078125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0949999999999999733546474089962430298328399658203125,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a1","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 YEAR FIXED CONFORMING","displayName":"15 Yr Fannie Fixed"},"conditionActions":[],"programName":"15 Yr Fannie Fixed","expired":false,"productName":"15 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2975.3699999999998908606357872486114501953125,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":2975.3699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":-0.125,"undiscountedRate":5.25,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.4998299999999999965183405947755090892314910888671875,"hti":0.1798599999999999921040938488658866845071315765380859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2997.98000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2997.71999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172470.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2997.71999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.2560000000000000053290705182007513940334320068359375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.080999999999999960920149533194489777088165283203125,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2997.71999999999979991116560995578765869140625,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2997.71999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.49995000000000000550670620214077644050121307373046875,"hti":0.1799800000000000010924594562311540357768535614013671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2999.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2999.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":172821.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2999.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.282999999999999973798736618846305646002292633056640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03300000000000002930988785010413266718387603759765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03300000000000002930988785010413266718387603759765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.108000000000000095923269327613525092601776123046875,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2999.670000000000072759576141834259033203125,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2999.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.50141000000000002234656903965515084564685821533203125,"hti":0.181439999999999990176746678116614930331707000732421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3022.88999999999987267074175179004669189453125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3024.079999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":177214.20999999999185092747211456298828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3024.079999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.5,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0749999999999999555910790149937383830547332763671875,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3024.079999999999927240423858165740966796875,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":3024.079999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.50288999999999994816590742630069144070148468017578125,"hti":0.1829099999999999892619229058254859410226345062255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3049.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3048.59000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":181628.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3048.59000000000014551915228366851806640625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.56899999999999995026200849679298698902130126953125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.069000000000000005773159728050814010202884674072265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.069000000000000005773159728050814010202884674072265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1439999999999999058530875117867253720760345458984375,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"5f8df298ce8ad00001e86e6f","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH15","displayName":"FHLMC Standard Agency 15 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 15 YR FIXED","expired":false,"productName":"15 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3048.59000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":3048.59000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.50436000000000003051781050089630298316478729248046875,"hti":0.184389999999999998347988139357767067849636077880859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3073.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3073.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":186060.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3073.21999999999979991116560995578765869140625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.40000000000000002220446049250313080847263336181640625,"rawBasePoints":-1.592000000000000081712414612411521375179290771484375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"adjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"rawAdjustmentPointsBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"finalAdjustment":-0.97499999999999997779553950749686919152736663818359375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0fd64cedfd0001290fe7","attributes":[],"key":"Conventional 10/15 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.97499999999999997779553950749686919152736663818359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.97499999999999997779553950749686919152736663818359375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.09199999999999997069011214989586733281612396240234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.09199999999999997069011214989586733281612396240234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.19200000000000017053025658242404460906982421875,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"5da498134cedfd000137143c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 15yr Fixed - Bal > 225k","displayName":"FNMA 15yr Fixed - Bal > 225k"},"conditionActions":[],"programName":"FNMA 15yr Fixed - Bal > 225k","expired":true,"productName":"15yr Fixed - Bal > 225k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3073.21999999999979991116560995578765869140625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3073.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.25,"startedAdjustedPrice":0.0,"undiscountedRate":5.25,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.97499999999999997779553950749686919152736663818359375,"totalGroupAdjustmentProperties":-0.97499999999999997779553950749686919152736663818359375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.50585000000000002184918912462308071553707122802734375,"hti":0.1858700000000000074340533728900481946766376495361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.0,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6.0,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3097.59999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3097.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":190513.4400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3097.9600000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.61699999999999999289457264239899814128875732421875,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.153000000000000024868995751603506505489349365234375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3097.9600000000000363797880709171295166015625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3097.9600000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.50734000000000001318056774834985844790935516357421875,"hti":0.1873599999999999987654319966168259270489215850830078125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3121.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3122.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":194985.54000000000814907252788543701171875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3122.80999999999994543031789362430572509765625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-2.86699999999999999289457264239899814128875732421875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.11699999999999999289457264239899814128875732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.11699999999999999289457264239899814128875732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.2279999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a3731ce8ad0000119bf37","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3122.80999999999994543031789362430572509765625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":3122.80999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.5088399999999999590016841466422192752361297607421875,"hti":0.1888600000000000000976996261670137755572795867919921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3148.46999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3147.760000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":199478.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3147.760000000000218278728425502777099609375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.004000000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.004000000000000003552713678800500929355621337890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.004000000000000003552713678800500929355621337890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.04000000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3926ce8ad0000119dbbc","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":180,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 15 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 15 Yr Fixed","expired":true,"productName":"15 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3147.760000000000218278728425502777099609375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":3147.760000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":0.0,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.5103400000000000158451030074502341449260711669921875,"hti":0.1903700000000000114308562615406117402017116546630859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3172.0500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3172.829999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":203989.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3172.829999999999927240423858165740966796875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.318000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.45999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"adjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"rawAdjustmentPointsBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.085000000000000019984014443252817727625370025634765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.085000000000000019984014443252817727625370025634765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1ac4cedfd0001d74acc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 15 Year Fixed","displayName":"15 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"15 Year Fixed Conforming FHLMC LP","expired":false,"productName":"15 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3172.829999999999927240423858165740966796875,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3172.829999999999927240423858165740966796875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.5,"startedAdjustedPrice":-0.125,"undiscountedRate":5.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.181999999999999939603867460391484200954437255859375,"totalGroupAdjustmentProperties":-1.181999999999999939603867460391484200954437255859375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.51185000000000002717825964282383210957050323486328125,"hti":0.191879999999999995008437281285296194255352020263671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.0},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3198.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3198.0,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":208521.16000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3198.0},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.443000000000000004884981308350688777863979339599609375,"rawBasePoints":-1.5460000000000000408562073062057606875896453857421875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0460000000000000408562073062057606875896453857421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0460000000000000408562073062057606875896453857421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999995115018691649311222136020660400390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999995115018691649311222136020660400390625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1029999999999999804600747665972448885440826416015625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3198.0,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":3198.0,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.51336999999999999300115405276301316916942596435546875,"hti":0.193390000000000006341593916658894158899784088134765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3223.96999999999979991116560995578765869140625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3223.28000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":213072.08999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3223.28000000000020008883439004421234130859375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.69299999999999994937383007709286175668239593505859375,"rawBasePoints":-1.770000000000000017763568394002504646778106689453125,"adjustedPoints":-0.625,"adjustedPointsBorrowerPaid":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-2294.489999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2294.489999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.625,"borrowerPaidMinusCompDollarAmount":-2294.49400000000014188117347657680511474609375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0769999999999999573674358543939888477325439453125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2294.489999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2294.489999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.625,"borrowerPaidAmount":-2294.489999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3223.28000000000020008883439004421234130859375,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":3223.28000000000020008883439004421234130859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.625,"finalQmClosingCosts":-2294.49375000000009094947017729282379150390625,"qmPercentage":-0.625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.625,"discountPointsNoFees":-0.625,"originationCredit":0.625,"originationCreditNoFees":0.625,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.51488999999999995882404846270219422876834869384765625,"hti":0.1949200000000000099209529480503988452255725860595703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3248.90000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3248.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":217641.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3248.670000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.81799999999999994937383007709286175668239593505859375,"rawBasePoints":-1.9739999999999999769073610877967439591884613037109375,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05700000000000005062616992290713824331760406494140625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05700000000000005062616992290713824331760406494140625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3248.670000000000072759576141834259033203125,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":3248.670000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.51641999999999999015898310972261242568492889404296875,"hti":0.196450000000000013500311979441903531551361083984375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3273.239999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3274.170000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":222230.67000000001280568540096282958984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3274.170000000000072759576141834259033203125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.068000000000000060396132539608515799045562744140625,"rawBasePoints":-2.157000000000000028421709430404007434844970703125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.032000000000000028421709430404007434844970703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.032000000000000028421709430404007434844970703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3274.170000000000072759576141834259033203125,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":3274.170000000000072759576141834259033203125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.517959999999999975983655531308613717555999755859375,"hti":0.197979999999999989324095395204494707286357879638671875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.0,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7.0,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3299.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3299.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":226839.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3299.76999999999998181010596454143524169921875},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.193000000000000060396132539608515799045562744140625,"rawBasePoints":-2.358000000000000095923269327613525092601776123046875,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.108000000000000095923269327613525092601776123046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.108000000000000095923269327613525092601776123046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.16500000000000003552713678800500929355621337890625,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3299.76999999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":3299.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.51949999999999996180832795289461500942707061767578125,"hti":0.1995200000000000029043434324194095097482204437255859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3324.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3325.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":231466.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3325.48000000000001818989403545856475830078125},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.443000000000000060396132539608515799045562744140625,"rawBasePoints":-2.548999999999999932498440102790482342243194580078125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1059999999999998721023075631819665431976318359375,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3325.48000000000001818989403545856475830078125,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":3325.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.25,"dti":0.5210500000000000131450406115618534386157989501953125,"hti":0.2010699999999999987299048598288209177553653717041015625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.25,"baseRates":7.25,"adjustedRates":7.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3352.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3351.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":236114.2000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3351.2899999999999636202119290828704833984375},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.318000000000000060396132539608515799045562744140625,"rawBasePoints":-2.435000000000000053290705182007513940334320068359375,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.25,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.060000000000000053290705182007513940334320068359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.060000000000000053290705182007513940334320068359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.11699999999999999289457264239899814128875732421875,"totalNoteRateAdjustment":0.0},"apr":7.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3351.2899999999999636202119290828704833984375,"interestOnlyAmount":2218.010000000000218278728425502777099609375,"interestPlusFixedPrinciple":3351.2899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.375,"dti":0.5225999999999999534594508077134378254413604736328125,"hti":0.2026300000000000045563552930616424418985843658447265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"termInMonths":false,"dayLock":30,"rawRates":7.375,"baseRates":7.375,"adjustedRates":7.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3378.32000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3377.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":240779.91000000000349245965480804443359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3377.2100000000000363797880709171295166015625},"multiSearchKey":-571555646,"multiSearchKeyV2":-571555646,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.568000000000000060396132539608515799045562744140625,"rawBasePoints":-2.6280000000000001136868377216160297393798828125,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"adjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"rawAdjustmentPointsBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"armIndexRate":0.0,"notRoundedAPR":7.375,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-1.181999999999999939603867460391484200954437255859375,"finalAdjustment":-1.181999999999999939603867460391484200954437255859375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a7ce8ad00001e2b45f","attributes":[],"key":"Agency Fixed 10/15 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-1.181999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-1.181999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0029999999999998916422327965847216546535491943359375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0029999999999998916422327965847216546535491943359375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.056999999999999939603867460391484200954437255859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.056999999999999939603867460391484200954437255859375,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0599999999999998312461002569762058556079864501953125,"totalNoteRateAdjustment":0.0},"apr":7.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea7ce8ad000014cf153","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697c63e4b075db33686505","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[15],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"15 Year Fixed HomeStyle","displayName":"15 Year FixedFNMA HomeStyle"},"conditionActions":[],"programName":"15 Year FixedFNMA HomeStyle","expired":false,"productName":"15 Year FixedFNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3377.2100000000000363797880709171295166015625,"interestOnlyAmount":2256.25,"interestPlusFixedPrinciple":3377.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.375,"startedAdjustedPrice":-0.125,"undiscountedRate":6.375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.068000000000000004884981308350688777863979339599609375,"totalGroupAdjustmentProperties":0.068000000000000004884981308350688777863979339599609375,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_180","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571555646,"dayLock":30},"criteriaKey":-571555646}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875],"monthlyPaymentMapByRate":{"5.625":2551.34999999999990905052982270717620849609375,"5.75":2577.48000000000001818989403545856475830078125,"5.875":2603.75,"5.99":2628.0399999999999636202119290828704833984375,"6.0":2630.15000000000009094947017729282379150390625,"6.25":2683.3800000000001091393642127513885498046875,"6.125":2656.6999999999998181010596454143524169921875,"6.375":2710.19000000000005456968210637569427490234375,"6.5":2737.13999999999987267074175179004669189453125,"5.5":2525.36000000000012732925824820995330810546875,"6.625":2764.21999999999979991116560995578765869140625,"6.75":2791.44000000000005456968210637569427490234375,"6.875":2818.7899999999999636202119290828704833984375},"data":{"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.473050000000000026023627697213669307529926300048828125,"hti":0.15307999999999999385380533567513339221477508544921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.625,"monthlyPI":-2551.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364577.8099999999976716935634613037109375,"totalInterest":245194.83999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2551.34999999999990905052982270717620849609375},{"start":240,"end":240,"rate":5.625,"monthlyPI":-2553.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2541.19000000000005456968210637569427490234375,"totalInterest":11.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2553.09999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2551.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":245206.75,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2551.34999999999990905052982270717620849609375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6270000000000000017763568394002504646778106689453125,"rawBasePoints":0.60099999999999997868371792719699442386627197265625,"adjustedPoints":0.0,"adjustedPointsBorrowerPaid":0.0,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":0.0,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0.0,"amount":0.0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":0.0,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.0,"borrowerPaidMinusCompDollarAmount":0.0,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0.0,"amount":0.0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.02400000000000002131628207280300557613372802734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.02400000000000002131628207280300557613372802734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00200000000000000004163336342344337026588618755340576171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00200000000000000004163336342344337026588618755340576171875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0260000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0260000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":0.0,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":0.0,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.0,"borrowerPaidAmount":0.0,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2551.34999999999990905052982270717620849609375,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2551.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":0.0,"qmPercentage":0.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":0.0,"discountPointsNoFees":0.0,"originationCredit":0.0,"originationCreditNoFees":0.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.474619999999999986339815905012073926627635955810546875,"hti":0.154650000000000009681144774731365032494068145751953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2578.36000000000012732925824820995330810546875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":251477.07999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2577.48000000000001818989403545856475830078125},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.7319999999999999840127884453977458178997039794921875,"adjustedPoints":-0.375,"adjustedPointsBorrowerPaid":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.375,"borrowerPaidMinusCompDollarAmount":-1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0180000000000000159872115546022541821002960205078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0180000000000000159872115546022541821002960205078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.092999999999999971578290569595992565155029296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.092999999999999971578290569595992565155029296875,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63053dc3ce8ad000017b5e3d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH20","displayName":"FHLMC Standard Agency 20 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 20 YR FIXED","expired":false,"productName":"20 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.375,"borrowerPaidAmount":-1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2577.48000000000001818989403545856475830078125,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2577.48000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.375,"finalQmClosingCosts":-1376.6962499999999636202119290828704833984375,"qmPercentage":-0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.375,"undiscountedRate":5.75,"discountPoints":-0.375,"discountPointsNoFees":-0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.476200000000000012168044349891715683043003082275390625,"hti":0.1562199999999999977529085981586831621825695037841796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.875,"monthlyPI":-2603.75,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364528.109999999986030161380767822265625,"totalInterest":257768.140000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2603.75},{"start":240,"end":240,"rate":5.875,"monthlyPI":-2603.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2590.88999999999987267074175179004669189453125,"totalInterest":12.67999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2603.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2603.75,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":257780.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2603.75},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.67000000000000003996802888650563545525074005126953125,"rawBasePoints":-1.802000000000000046185277824406512081623077392578125,"adjustedPoints":-0.75,"adjustedPointsBorrowerPaid":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-2753.38999999999987267074175179004669189453125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-2753.38999999999987267074175179004669189453125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.75,"borrowerPaidMinusCompDollarAmount":-2753.39300000000002910383045673370361328125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07999999999999996003197111349436454474925994873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07999999999999996003197111349436454474925994873046875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1319999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1319999999999998951949464753852225840091705322265625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-2753.38999999999987267074175179004669189453125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-2753.38999999999987267074175179004669189453125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.75,"borrowerPaidAmount":-2753.38999999999987267074175179004669189453125,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2603.75,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2603.75,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-0.75,"finalQmClosingCosts":-2753.392499999999927240423858165740966796875,"qmPercentage":-0.75,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-0.75,"discountPointsNoFees":-0.75,"originationCredit":0.75,"originationCreditNoFees":0.75,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.47765000000000001900701818158267997205257415771484375,"hti":0.157679999999999986837195820044144056737422943115234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2628.0399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364505.51000000000931322574615478515625,"totalInterest":263596.0499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2628.0399999999999636202119290828704833984375},{"start":240,"end":240,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2626.5399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2613.489999999999781721271574497222900390625,"totalInterest":13.050000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2626.5399999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2628.0399999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":263609.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2628.0399999999999636202119290828704833984375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.1699999999999999289457264239899814128875732421875,"rawBasePoints":-2.26100000000000012079226507921703159809112548828125,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0109999999999998987476601541857235133647918701171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0109999999999998987476601541857235133647918701171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0909999999999999698019337301957421004772186279296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0909999999999999698019337301957421004772186279296875,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2628.0399999999999636202119290828704833984375,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2628.0399999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.47777999999999998248512156351353041827678680419921875,"hti":0.157810000000000005826450433232821524143218994140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.0,"monthlyPI":-2630.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364499.849999999976716935634613037109375,"totalInterest":264106.0,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2630.15000000000009094947017729282379150390625},{"start":240,"end":240,"rate":6.0,"monthlyPI":-2632.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2619.15000000000009094947017729282379150390625,"totalInterest":13.0999999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2632.25}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2630.15000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":264119.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2630.15000000000009094947017729282379150390625},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.1699999999999999289457264239899814128875732421875,"rawBasePoints":-2.287999999999999811706175023573450744152069091796875,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1180000000000001048050535246147774159908294677734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1180000000000001048050535246147774159908294677734375,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2630.15000000000009094947017729282379150390625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2630.15000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.48097000000000000863309423948521725833415985107421875,"hti":0.1610000000000000042188474935755948536098003387451171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.25,"monthlyPI":-2683.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364451.5399999999790452420711517333984375,"totalInterest":276876.28000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2683.3800000000001091393642127513885498046875},{"start":240,"end":240,"rate":6.25,"monthlyPI":-2681.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2667.4600000000000363797880709171295166015625,"totalInterest":13.8900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2681.34999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2683.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":276890.1699999999837018549442291259765625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2683.3800000000001091393642127513885498046875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.4199999999999999289457264239899814128875732421875,"rawBasePoints":-2.55299999999999993605115378159098327159881591796875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05299999999999993605115378159098327159881591796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05299999999999993605115378159098327159881591796875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.13300000000000000710542735760100185871124267578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.13300000000000000710542735760100185871124267578125,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a0","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20 YEAR FIXED CONFORMING","displayName":"20 Yr Fannie Fixed"},"conditionActions":[],"programName":"20 Yr Fannie Fixed","expired":false,"productName":"20 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2683.3800000000001091393642127513885498046875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2683.3800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.25,"undiscountedRate":5.75,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.479370000000000018314239014216582290828227996826171875,"hti":0.1593999999999999861444166526780463755130767822265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.125,"monthlyPI":-2656.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364477.0599999999976716935634613037109375,"totalInterest":270474.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2656.6999999999998181010596454143524169921875},{"start":240,"end":240,"rate":6.125,"monthlyPI":-2655.420000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2641.94000000000005456968210637569427490234375,"totalInterest":13.480000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2655.420000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2656.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":270487.71999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2656.6999999999998181010596454143524169921875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.1270000000000000017763568394002504646778106689453125,"rawBasePoints":-0.91500000000000003552713678800500929355621337890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03999999999999999389377336456163902767002582550048828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03999999999999999389377336456163902767002582550048828125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0420000000000000373034936274052597582340240478515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0420000000000000373034936274052597582340240478515625,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2656.6999999999998181010596454143524169921875,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2656.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.482580000000000008952838470577262341976165771484375,"hti":0.1626100000000000045385917246676399372518062591552734375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.375,"monthlyPI":-2710.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364422.5200000000186264514923095703125,"totalInterest":283312.890000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2710.19000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.375,"monthlyPI":-2710.80999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2696.48000000000001818989403545856475830078125,"totalInterest":14.3300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2710.80999999999994543031789362430572509765625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2710.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":283327.21999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2710.19000000000005456968210637569427490234375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.986000000000000209610107049229554831981658935546875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a38f5ce8ad0000119db8e","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":240,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 20 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 20 Yr Fixed","expired":true,"productName":"20 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2710.19000000000005456968210637569427490234375,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2710.19000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.484200000000000019273471707492717541754245758056640625,"hti":0.16422999999999998710364934595418162643909454345703125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.5,"monthlyPI":-2737.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364396.21999999997206032276153564453125,"totalInterest":289780.23999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2737.13999999999987267074175179004669189453125},{"start":240,"end":240,"rate":6.5,"monthlyPI":-2737.53000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2722.78000000000020008883439004421234130859375,"totalInterest":14.75,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2737.53000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2737.13999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":289794.98999999999068677425384521484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2737.13999999999987267074175179004669189453125},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-2.013999999999999790389892950770445168018341064453125,"rawBasePoints":-3.20999999999999996447286321199499070644378662109375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08499999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08499999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1959999999999999520383653361932374536991119384765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1959999999999999520383653361932374536991119384765625,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a36d0ce8ad0000119bef0","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":240,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"20yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 20 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 20 Yr Fixed","expired":true,"productName":"20 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2737.13999999999987267074175179004669189453125,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2737.13999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.125,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.471490000000000020197177263980847783386707305908203125,"hti":0.15151999999999998802735490244231186807155609130859375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2527.5500000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":238969.58999999999650754034519195556640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2525.36000000000012732925824820995330810546875},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.12699999999999977973175191436894237995147705078125,"rawBasePoints":1.0769999999999999573674358543939888477325439453125,"adjustedPoints":0.5,"adjustedPointsBorrowerPaid":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.56099999999999994315658113919198513031005859375,"borrowerPaid":1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.5,"borrowerPaidMinusCompDollarAmount":1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0480000000000000426325641456060111522674560546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0480000000000000426325641456060111522674560546875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0500000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0500000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"apr":5.561099999999999710098563809879124164581298828125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"6446df4d9f33961120257f52","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 20yr Fixed - Bal > 300k","displayName":"FNMA 20yr Fixed - Bal > 300k"},"conditionActions":[],"programName":"FNMA 20yr Fixed - Bal > 300k","expired":true,"productName":"20yr Fixed - Bal > 300k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.5,"borrowerPaidAmount":1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2525.36000000000012732925824820995330810546875,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":2525.36000000000012732925824820995330810546875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":1835.595000000000027284841053187847137451171875,"qmPercentage":0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":0.5,"discountPointsNoFees":0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.485819999999999974082953713150345720350742340087890625,"hti":0.165849999999999997424282582869636826217174530029296875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.625,"monthlyPI":-2764.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364367.9299999999930150806903839111328125,"totalInterest":296280.650000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2764.21999999999979991116560995578765869140625},{"start":240,"end":240,"rate":6.625,"monthlyPI":-2766.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2751.07000000000016370904631912708282470703125,"totalInterest":15.1899999999999995026200849679298698902130126953125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2766.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2764.21999999999979991116560995578765869140625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":296295.8400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2764.21999999999979991116560995578765869140625},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.6029999999999999804600747665972448885440826416015625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1029999999999999804600747665972448885440826416015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1029999999999999804600747665972448885440826416015625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.213999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.213999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a84cedfd0001d74ab7","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c27e4b075db336841dc","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 20 Year Fixed","displayName":"20 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"20 Year Fixed Conforming FHLMC LP","expired":false,"productName":"20 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2764.21999999999979991116560995578765869140625,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2764.21999999999979991116560995578765869140625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.487460000000000004405364961712621152400970458984375,"hti":0.1674799999999999899902292099795886315405368804931640625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.75,"monthlyPI":-2791.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364342.8400000000256113708019256591796875,"totalInterest":302811.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2791.44000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.75,"monthlyPI":-2791.78000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2776.15999999999985448084771633148193359375,"totalInterest":15.6199999999999992184029906638897955417633056640625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2791.78000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2791.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":302826.9400000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2791.44000000000005456968210637569427490234375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.7359999999999999875655021241982467472553253173828125,"rawBasePoints":-0.423999999999999988009591334048309363424777984619140625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.04900000000000004352074256530613638460636138916015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.04900000000000004352074256530613638460636138916015625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.160000000000000142108547152020037174224853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.160000000000000142108547152020037174224853515625,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a84cedfd0001d74ab7","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697c27e4b075db336841dc","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 20 Year Fixed","displayName":"20 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"20 Year Fixed Conforming FHLMC LP","expired":false,"productName":"20 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2791.44000000000005456968210637569427490234375,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2791.44000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":0.0,"undiscountedRate":5.875,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.48909999999999997921662497901706956326961517333984375,"hti":0.169119999999999992557064842912950552999973297119140625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":239,"rate":6.875,"monthlyPI":-2818.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364316.4799999999813735485076904296875,"totalInterest":309374.3300000000162981450557708740234375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2818.7899999999999636202119290828704833984375},{"start":240,"end":240,"rate":6.875,"monthlyPI":-2818.579999999999927240423858165740966796875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2802.51999999999998181010596454143524169921875,"totalInterest":16.059999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2818.579999999999927240423858165740966796875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2818.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":309390.390000000013969838619232177734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2818.7899999999999636202119290828704833984375},"multiSearchKey":-570751289,"multiSearchKeyV2":-570751289,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.5260000000000000230926389122032560408115386962890625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0260000000000000230926389122032560408115386962890625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0260000000000000230926389122032560408115386962890625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.137000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"57697b96e4b075db3367e32a","name":"Conventional DU Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"57697c27e4b075db336841dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[20],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming 20 Year Fixed","displayName":"20 Year Fixed Conforming  FNMA DU"},"conditionActions":[],"programName":"20 Year Fixed Conforming  FNMA DU","expired":false,"productName":"20 Year Fixed Conforming  FNMA DU","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.9199999999999999289457264239899814128875732421875,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2818.7899999999999636202119290828704833984375,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2818.7899999999999636202119290828704833984375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.125,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_240","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-570751289,"dayLock":30},"criteriaKey":-570751289}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.5,6.625,6.75,6.875,7.0,7.125],"monthlyPaymentMapByRate":{"5.75":2142.40999999999985448084771633148193359375,"5.875":2171.65000000000009094947017729282379150390625,"5.99":2198.6999999999998181010596454143524169921875,"6.0":2201.05999999999994543031789362430572509765625,"6.125":2230.65000000000009094947017729282379150390625,"6.25":2260.40999999999985448084771633148193359375,"5.625":2113.34000000000014551915228366851806640625,"6.375":2290.34000000000014551915228366851806640625,"6.75":2381.1300000000001091393642127513885498046875,"6.5":2320.44000000000005456968210637569427490234375,"6.625":2350.6999999999998181010596454143524169921875,"6.875":2411.7100000000000363797880709171295166015625,"7.0":2442.4499999999998181010596454143524169921875,"7.125":2473.34999999999990905052982270717620849609375},"data":{"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.448519999999999974260589397090370766818523406982421875,"hti":0.12853999999999998760102926098625175654888153076171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.75,"monthlyPI":-2142.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364989.53000000002793967723846435546875,"totalInterest":404135.6599999999743886291980743408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2142.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":5.75,"monthlyPI":-2139.670000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2129.46999999999979991116560995578765869140625,"totalInterest":10.199999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2139.670000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2142.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":404145.859999999986030161380767822265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2142.40999999999985448084771633148193359375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.7520000000000000017763568394002504646778106689453125,"rawBasePoints":0.629000000000000003552713678800500929355621337890625,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.76199999999999956656893118633888661861419677734375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"5cdc1a914cedfd000144cbd9","name":"SRPs - Conventional With Escrow","pointBase":false,"type":"RATE","totalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"finalAdjustment":-1.6270000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"5cdc0eb74cedfd0001274aeb","attributes":[],"key":"Conventional 20/25/30 Year FRM - AZ / Loan Amount >=$300,001 < $400,001","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-1.6270000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-1.6270000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.120999999999999996447286321199499070644378662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.120999999999999996447286321199499070644378662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0020000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0020000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":5.7614999999999998436805981327779591083526611328125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557d43bce8ad0000131f833","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"634d909cce8ad00001a9e5c7","createdFromRatePeriodValidAs":"2026-02-05T02:06:30.152Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"56c6396ae4b0a1df36686146","showCompanyName":true,"createdFromCompanyName":"AmeriHome Mortgage Company, LLC","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 2","rateValidDate":"2025-09-03T14:50:07.163Z","rateEndDate":"2025-09-03T14:50:07.163Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"56c6396ae4b0a1df36686146","allowModifiedDate":true,"name":"AmeriHome Mortgage Company, LLC","shortName":"AmeriHome Mortgage Company, LLC","guideLines":true,"turnTimes":[],"nmlsId":"135776","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"AAA Lendings FTP":"RateSheet.xlsx"}},"name":"Amerihome InstaMortgage Ratesheet","validAsOf":"2026-02-05T02:06:36.387Z","fileKeyForAutoImport":"InstaMortgage FTP","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"5da498134cedfd0001371430","name":"FNMA FRM Conventional","applyParRounding":false},"rateGrid":{"id":"68acac81ae53c9e3767c1a3c","closingDays":[15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA 25/30yr Fixed - 350k < Bal <= 375k","displayName":"FNMA 30yr Fixed - 350k < Bal <= 375k"},"conditionActions":[],"programName":"FNMA 30yr Fixed - 350k < Bal <= 375k","expired":true,"productName":"30yr Fixed - 350k < Bal <= 375k","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2142.40999999999985448084771633148193359375,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":2142.40999999999985448084771633148193359375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 2","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.375,"undiscountedRate":5.875,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.6270000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-1.6270000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.450270000000000003570477247194503434002399444580078125,"hti":0.1302999999999999991562305012848810292780399322509765625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2169.09999999999990905052982270717620849609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":414672.4500000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2171.65000000000009094947017729282379150390625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.57599999999999995647925743469386361539363861083984375,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.048999999999999932498440102790482342243194580078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.048999999999999932498440102790482342243194580078125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1239999999999998880895191177842207252979278564453125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1239999999999998880895191177842207252979278564453125,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2171.65000000000009094947017729282379150390625,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2171.65000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.45189000000000001389111048410995863378047943115234375,"hti":0.1319200000000000094768637382003362290561199188232421875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2198.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364927.2000000000116415321826934814453125,"totalInterest":424406.099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2198.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2202.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2191.8000000000001818989403545856475830078125,"totalInterest":10.9399999999999995026200849679298698902130126953125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2202.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2198.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":424417.0399999999790452420711517333984375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2198.6999999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.1999999999999999555910790149937383830547332763671875,"rawBasePoints":0.1000000000000000055511151231257827021181583404541015625,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.024999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.024999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0999999999999998667732370449812151491641998291015625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0999999999999998667732370449812151491641998291015625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2198.6999999999998181010596454143524169921875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2198.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.452029999999999987370102871864219196140766143798828125,"hti":0.132060000000000010711431741583510302007198333740234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.0,"monthlyPI":-2201.05999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364925.130000000004656612873077392578125,"totalInterest":425255.4099999999743886291980743408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2201.05999999999994543031789362430572509765625},{"start":360,"end":360,"rate":6.0,"monthlyPI":-2204.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2193.8699999999998908606357872486114501953125,"totalInterest":10.9700000000000006394884621840901672840118408203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2204.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2201.05999999999994543031789362430572509765625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":425266.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2201.05999999999994543031789362430572509765625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.1999999999999999555910790149937383830547332763671875,"rawBasePoints":0.058000000000000002942091015256664832122623920440673828125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0669999999999999484856516573927365243434906005859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0669999999999999484856516573927365243434906005859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.141999999999999904076730672386474907398223876953125,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2201.05999999999994543031789362430572509765625,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":2201.05999999999994543031789362430572509765625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.453809999999999991171506508180755190551280975341796875,"hti":0.1338399999999999867572597622711327858269214630126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.125,"monthlyPI":-2230.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364895.7299999999813735485076904296875,"totalInterest":435907.619999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2230.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":6.125,"monthlyPI":-2234.6199999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2223.26999999999998181010596454143524169921875,"totalInterest":11.3499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2234.6199999999998908606357872486114501953125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2230.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":435918.96999999997206032276153564453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2230.65000000000009094947017729282379150390625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.430999999999999994226840271949185989797115325927734375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.05600000000000004973799150320701301097869873046875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.05600000000000004973799150320701301097869873046875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1310000000000000053290705182007513940334320068359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1310000000000000053290705182007513940334320068359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2230.65000000000009094947017729282379150390625,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":2230.65000000000009094947017729282379150390625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.455600000000000004973799150320701301097869873046875,"hti":0.1356199999999999905586633985876687802374362945556640625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.25,"monthlyPI":-2260.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364865.8099999999976716935634613037109375,"totalInterest":446621.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2260.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":6.25,"monthlyPI":-2264.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2253.19000000000005456968210637569427490234375,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2264.92999999999983629095368087291717529296875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2260.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":446633.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2260.40999999999985448084771633148193359375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.39000000000000001332267629550187848508358001708984375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.01500000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.01500000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0900000000000000799360577730112709105014801025390625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0900000000000000799360577730112709105014801025390625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2260.40999999999985448084771633148193359375,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":2260.40999999999985448084771633148193359375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.44677000000000000046185277824406512081623077392578125,"hti":0.1267999999999999960476060323344427160918712615966796875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2117.03000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":393687.0900000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2113.34000000000014551915228366851806640625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.57500000000000017763568394002504646778106689453125,"rawBasePoints":1.4339999999999999413802242997917346656322479248046875,"adjustedPoints":0.375,"adjustedPointsBorrowerPaid":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"adjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"rawAdjustmentPointsBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"armIndexRate":0.0,"notRoundedAPR":5.65899999999999980815346134477294981479644775390625,"borrowerPaid":1376.700000000000045474735088646411895751953125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":1376.700000000000045474735088646411895751953125,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.375,"borrowerPaidMinusCompDollarAmount":1376.69599999999991268850862979888916015625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-2.20000000000000017763568394002504646778106689453125,"finalAdjustment":-2.20000000000000017763568394002504646778106689453125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":0.0,"finalAdjustment":0.0,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]},{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Owner Occupied/ 20yr >=/ >300k to 450k / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.06599999999999983657517077517695724964141845703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.06599999999999983657517077517695724964141845703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1409999999999997921662497901706956326961517333984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1409999999999997921662497901706956326961517333984375,"totalNoteRateAdjustment":0.0},"apr":5.6592999999999999971578290569595992565155029296875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":1376.700000000000045474735088646411895751953125,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":1376.700000000000045474735088646411895751953125,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df699ce8ad00001084f7a","name":"FANNIE MAE 30 YR","applyParRounding":false},"rateGrid":{"id":"5f8df6e4ce8ad0000109432d","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA30","displayName":"FNMA Standard Agency 30 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 30 YR FIXED","expired":false,"productName":"30 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.375,"borrowerPaidAmount":1376.700000000000045474735088646411895751953125,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2113.34000000000014551915228366851806640625,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":2113.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":1376.6962499999999636202119290828704833984375,"qmPercentage":0.375,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.875,"startedAdjustedPrice":-0.5,"undiscountedRate":5.875,"discountPoints":0.375,"discountPointsNoFees":0.375,"originationCredit":0.375,"originationCreditNoFees":0.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.20000000000000017763568394002504646778106689453125,"totalGroupAdjustmentProperties":-2.20000000000000017763568394002504646778106689453125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.457390000000000018776091792460647411644458770751953125,"hti":0.13741999999999998660626943092211149632930755615234375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.375,"monthlyPI":-2290.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364835.6799999999930150806903839111328125,"totalInterest":457396.380000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2290.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":6.375,"monthlyPI":-2295.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2283.32000000000016370904631912708282470703125,"totalInterest":12.1300000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2295.4499999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2290.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":457408.51000000000931322574615478515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2290.34000000000014551915228366851806640625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.071000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 20-30Y  / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.071000000000000174082970261224545538425445556640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.071000000000000174082970261224545538425445556640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1820000000000001616484723854227922856807708740234375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1820000000000001616484723854227922856807708740234375,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a352bce8ad0000119af36","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":360,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FNMA","displayName":"FNMA Conforming 30 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 30 Yr Fixed","expired":true,"productName":"30 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2290.34000000000014551915228366851806640625,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":2290.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.75,"dti":0.462839999999999973656628071694285608828067779541015625,"hti":0.1428599999999999869970679355901665985584259033203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.75,"baseRates":6.75,"adjustedRates":6.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.75,"monthlyPI":-2381.1300000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364754.599999999976716935634613037109375,"totalInterest":490071.0700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2381.1300000000001091393642127513885498046875},{"start":360,"end":360,"rate":6.75,"monthlyPI":-2377.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2364.40000000000009094947017729282379150390625,"totalInterest":13.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2377.6999999999998181010596454143524169921875}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2381.1300000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":490084.369999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2381.1300000000001091393642127513885498046875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.963999999999999968025576890795491635799407958984375,"rawBasePoints":-3.12000000000000010658141036401502788066864013671875,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.75,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12000000000000010658141036401502788066864013671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12000000000000010658141036401502788066864013671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.156000000000000138555833473219536244869232177734375,"totalNoteRateAdjustment":0.0},"apr":6.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a3847ce8ad0000119d9cb","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":360,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30/25yr Fixed P&I Conforming- FHLMC","displayName":"FHLMC Conforming 30 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 30 Yr Fixed","expired":true,"productName":"30 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2381.1300000000001091393642127513885498046875,"interestOnlyAmount":2065.0399999999999636202119290828704833984375,"interestPlusFixedPrinciple":2381.1300000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"startedAdjustedPrice":-0.375,"undiscountedRate":5.9900000000000002131628207280300557613372802734375,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.459199999999999997069011214989586733281612396240234375,"hti":0.13922000000000001040945107888546772301197052001953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.5,"monthlyPI":-2320.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364808.9400000000023283064365386962890625,"totalInterest":468229.0200000000186264514923095703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2320.44000000000005456968210637569427490234375},{"start":360,"end":360,"rate":6.5,"monthlyPI":-2322.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2310.05999999999994543031789362430572509765625,"totalInterest":12.5099999999999997868371792719699442386627197265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2322.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2320.44000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":468241.53000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2320.44000000000005456968210637569427490234375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6109999999999999875655021241982467472553253173828125,"rawBasePoints":-0.50900000000000000799360577730112709105014801025390625,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"adjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"rawAdjustmentPointsBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.00900000000000000799360577730112709105014801025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.00900000000000000799360577730112709105014801025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.12000000000000010658141036401502788066864013671875,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929807ce8ad00001fdc11b","name":"Conventional LP Products (SRP Not Included)","applyParRounding":false},"rateGrid":{"id":"5ab2b1a04cedfd0001d747ef","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"Conforming LP 30/25 Year Fixed","displayName":"30 Year Fixed Conforming FHLMC LP"},"conditionActions":[],"programName":"30 Year Fixed Conforming FHLMC LP","expired":false,"productName":"30 Year Fixed Conforming FHLMC LP","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2320.44000000000005456968210637569427490234375,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":2320.44000000000005456968210637569427490234375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.0,"startedAdjustedPrice":-0.375,"undiscountedRate":6.0,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-2.111000000000000209610107049229554831981658935546875,"totalGroupAdjustmentProperties":-2.111000000000000209610107049229554831981658935546875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.461009999999999975361930637518526054918766021728515625,"hti":0.141039999999999998703259507237817160785198211669921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.625,"monthlyPI":-2350.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364777.5200000000186264514923095703125,"totalInterest":479123.78000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2350.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":6.625,"monthlyPI":-2354.40999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2341.48000000000001818989403545856475830078125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2354.40999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2350.6999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":479136.7100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2350.6999999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.3609999999999999875655021241982467472553253173828125,"rawBasePoints":-0.79500000000000003996802888650563545525074005126953125,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0450000000000000122124532708767219446599483489990234375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0450000000000000122124532708767219446599483489990234375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2350.6999999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":2350.6999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.875,"dti":0.46467000000000002746247673712787218391895294189453125,"hti":0.144699999999999995292654375589336268603801727294921875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":6.875,"baseRates":6.875,"adjustedRates":6.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":6.875,"monthlyPI":-2411.7100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364720.3200000000069849193096160888671875,"totalInterest":501083.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2411.7100000000000363797880709171295166015625},{"start":360,"end":360,"rate":6.875,"monthlyPI":-2412.420000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2398.67999999999983629095368087291717529296875,"totalInterest":13.7400000000000002131628207280300557613372802734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2412.420000000000072759576141834259033203125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2411.7100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":501097.3099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2411.7100000000000363797880709171295166015625},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.01400000000000000029143354396410359186120331287384033203125,"rawBasePoints":-1.18900000000000005684341886080801486968994140625,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":6.875,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1750000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1750000000000000444089209850062616169452667236328125,"totalNoteRateAdjustment":0.0},"apr":6.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2411.7100000000000363797880709171295166015625,"interestOnlyAmount":2103.2899999999999636202119290828704833984375,"interestPlusFixedPrinciple":2411.7100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.0,"dti":0.466519999999999990247800951692624948918819427490234375,"hti":0.14654000000000000358824081558850593864917755126953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":7.0,"baseRates":7.0,"adjustedRates":7.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":7.0,"monthlyPI":-2442.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364688.5200000000186264514923095703125,"totalInterest":512151.03000000002793967723846435546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2442.4499999999998181010596454143524169921875},{"start":360,"end":360,"rate":7.0,"monthlyPI":-2444.65999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2430.48000000000001818989403545856475830078125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2444.65999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2442.4499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":512165.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2442.4499999999998181010596454143524169921875},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.2640000000000000124344978758017532527446746826171875,"rawBasePoints":-1.4939999999999999946709294817992486059665679931640625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":7.0,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1189999999999999946709294817992486059665679931640625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1189999999999999946709294817992486059665679931640625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.229999999999999982236431605997495353221893310546875,"totalNoteRateAdjustment":0.0},"apr":7.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2442.4499999999998181010596454143524169921875,"interestOnlyAmount":2141.53000000000020008883439004421234130859375,"interestPlusFixedPrinciple":2442.4499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"7.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":7.125,"dti":0.468370000000000008544276397515204735100269317626953125,"hti":0.1484000000000000041300296516055823303759098052978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"termInMonths":false,"dayLock":30,"rawRates":7.125,"baseRates":7.125,"adjustedRates":7.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":359,"rate":7.125,"monthlyPI":-2473.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364661.8099999999976716935634613037109375,"totalInterest":523270.8400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2473.34999999999990905052982270717620849609375},{"start":360,"end":360,"rate":7.125,"monthlyPI":-2471.78000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2457.19000000000005456968210637569427490234375,"totalInterest":14.589999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2471.78000000000020008883439004421234130859375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":2473.34999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":523285.4299999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":2473.34999999999990905052982270717620849609375},"multiSearchKey":-569768186,"multiSearchKeyV2":-569768186,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-0.6390000000000000124344978758017532527446746826171875,"rawBasePoints":-1.7849999999999999200639422269887290894985198974609375,"adjustedPoints":-1.5,"adjustedPointsBorrowerPaid":-1.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"adjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"rawAdjustmentPointsBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"armIndexRate":0.0,"notRoundedAPR":7.125,"borrowerPaid":-5506.7899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5506.7899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.5,"borrowerPaidMinusCompDollarAmount":-5506.78499999999985448084771633148193359375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6092ce97ce8ad00001381cfe","name":"Adj - FNMA HomeStyle","pointBase":false,"type":"RATE","totalAdjustment":1.25,"finalAdjustment":1.25,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092ce97ce8ad00001381cfe","attributes":[],"key":"Homestyle","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":1.25,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":1.25,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6092d5a7ce8ad00001e2b45f","name":"SRP - Agency","pointBase":false,"type":"RATE","totalAdjustment":-2.111000000000000209610107049229554831981658935546875,"finalAdjustment":-2.111000000000000209610107049229554831981658935546875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6092d5a6ce8ad00001e295fa","attributes":[],"key":"Agency Fixed 20/25/30 - AZ / Loan Amount >=$300,000 < $500,000","adjType":"StatesRateAdjustment","type":"MSR","valueType":"Points","includeInInterpolationComp":true,"adj":-2.111000000000000209610107049229554831981658935546875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"msr":-2.111000000000000209610107049229554831981658935546875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.03500000000000003108624468950438313186168670654296875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.03500000000000003108624468950438313186168670654296875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1460000000000001296740492762182839214801788330078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1460000000000001296740492762182839214801788330078125,"totalNoteRateAdjustment":0.0},"apr":7.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":true,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5506.7899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5506.7899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"67a630dbce8ad000014af57b","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"609302d1ce8ad00001c757c9","createdFromRatePeriodValidAs":"2026-02-04T14:38:01.617Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"57696b68e4b075db3359703e","showCompanyName":true,"createdFromCompanyName":"The Money Source","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 9","rateValidDate":"2026-02-04T14:38:06.549Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"57696b68e4b075db3359703e","allowModifiedDate":true,"name":"The Money Source (TMS)","shortName":"The Money Source (TMS)","guideLines":true,"turnTimes":[],"nmlsId":"6289","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"TMS Non-QM":"TMS Non-QM Rate Sheet J1 2-4-2026.xlsx","TMS Corr Q1_xlsx":"TMS Corr Rate Sheet Q1 2-4-2026.xlsx"}},"name":"TMS Correspondent - U1","validAsOf":"2026-02-04T14:38:06.549Z","fileKeyForAutoImport":"TMS Corr U1_xlsx","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"60929e7bce8ad00001497830","name":"HomeStyle Program","applyParRounding":false},"rateGrid":{"id":"60929ea5ce8ad000014cd6dc","closingDays":[15,30,45,60],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":true,"rateGridFrom":"57697b9de4b075db3367f6c8","rateGridFromName":"Conforming","rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"HomeStyle","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance"],"terms":[30],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"30 Year Fixed HomeStyle","displayName":"30 Year Fixed FNMA HomeStyle"},"conditionActions":[],"programName":"30 Year Fixed FNMA HomeStyle","expired":false,"productName":"30 Year Fixed FNMA HomeStyle","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.5,"borrowerPaidAmount":-5506.7899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":6.05999999999999960920149533194489777088165283203125,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":2473.34999999999990905052982270717620849609375,"interestOnlyAmount":2179.76999999999998181010596454143524169921875,"interestPlusFixedPrinciple":2473.34999999999990905052982270717620849609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":7.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 9","finalQmPercentage":-1.5,"finalQmClosingCosts":-5506.78499999999985448084771633148193359375,"qmPercentage":-1.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.5,"startedAdjustedPrice":-0.125,"undiscountedRate":6.5,"discountPoints":-1.5,"discountPointsNoFees":-1.5,"originationCredit":1.5,"originationCreditNoFees":1.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.8609999999999999875655021241982467472553253173828125,"totalGroupAdjustmentProperties":-0.8609999999999999875655021241982467472553253173828125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_360","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-569768186,"dayLock":30},"criteriaKey":-569768186}},{"stdClass":{"resultRates":{"allowModifiedDate":true,"dayLock":30,"disqualifyCount":0,"dayLocksList":[],"rateSet":[4.9900000000000002131628207280300557613372802734375,5.0,5.125,5.25,5.375,5.4900000000000002131628207280300557613372802734375,5.5,5.625,5.75,5.875,5.9900000000000002131628207280300557613372802734375,6.0,6.125,6.25,6.375,6.4900000000000002131628207280300557613372802734375,6.5,6.625],"monthlyPaymentMapByRate":{"5.25":3938.8800000000001091393642127513885498046875,"5.375":3961.510000000000218278728425502777099609375,"5.5":3984.2100000000000363797880709171295166015625,"5.625":4006.98000000000001818989403545856475830078125,"5.75":4029.84000000000014551915228366851806640625,"5.875":4052.76999999999998181010596454143524169921875,"5.99":4073.92999999999983629095368087291717529296875,"6.0":4075.76999999999998181010596454143524169921875,"4.99":3892.07000000000016370904631912708282470703125,"5.0":3893.8699999999998908606357872486114501953125,"5.125":3916.34000000000014551915228366851806640625,"5.49":3982.38999999999987267074175179004669189453125,"6.125":4098.8599999999996725819073617458343505859375,"6.25":4122.02000000000043655745685100555419921875,"6.375":4145.25,"6.49":4166.6899999999995998223312199115753173828125,"6.5":4168.5600000000004001776687800884246826171875,"6.625":4191.9499999999998181010596454143524169921875},"data":{"5.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.25,"dti":0.5563000000000000166977542903623543679714202880859375,"hti":0.2363300000000000122835075444527319632470607757568359375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.25,"baseRates":5.25,"adjustedRates":5.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3938.8800000000001091393642127513885498046875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.6999999999999999555910790149937383830547332763671875,"rawBasePoints":0.6149999999999999911182158029987476766109466552734375,"adjustedPoints":-0.25,"adjustedPointsBorrowerPaid":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.25,"borrowerPaid":-917.799999999999954525264911353588104248046875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-917.799999999999954525264911353588104248046875,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.25,"borrowerPaidMinusCompDollarAmount":-917.798000000000001818989403545856475830078125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0100000000000000088817841970012523233890533447265625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0100000000000000088817841970012523233890533447265625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08499999999999996447286321199499070644378662109375,"totalNoteRateAdjustment":0.0},"apr":5.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-917.799999999999954525264911353588104248046875,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-917.799999999999954525264911353588104248046875,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.25,"borrowerPaidAmount":-917.799999999999954525264911353588104248046875,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3938.8800000000001091393642127513885498046875,"interestOnlyAmount":1606.15000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3938.8800000000001091393642127513885498046875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.25,"finalQmClosingCosts":-917.7975000000000136424205265939235687255859375,"qmPercentage":-0.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.25,"discountPointsNoFees":-0.25,"originationCredit":0.25,"originationCreditNoFees":0.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.375,"dti":0.5576600000000000445510295321582816541194915771484375,"hti":0.237690000000000012381207170619745738804340362548828125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.375,"baseRates":5.375,"adjustedRates":5.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3960.7899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3961.510000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":108261.479999999995925463736057281494140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3961.510000000000218278728425502777099609375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.4499999999999999555910790149937383830547332763671875,"rawBasePoints":0.299999999999999988897769753748434595763683319091796875,"adjustedPoints":-0.5,"adjustedPointsBorrowerPaid":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.375,"borrowerPaid":-1835.59999999999990905052982270717620849609375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-1835.59999999999990905052982270717620849609375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.5,"borrowerPaidMinusCompDollarAmount":-1835.595000000000027284841053187847137451171875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.149999999999999911182158029987476766109466552734375,"totalNoteRateAdjustment":0.0},"apr":5.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-1835.59999999999990905052982270717620849609375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-1835.59999999999990905052982270717620849609375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.5,"borrowerPaidAmount":-1835.59999999999990905052982270717620849609375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3961.510000000000218278728425502777099609375,"interestOnlyAmount":1644.390000000000100044417195022106170654296875,"interestPlusFixedPrinciple":3961.510000000000218278728425502777099609375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.5,"finalQmClosingCosts":-1835.595000000000027284841053187847137451171875,"qmPercentage":-0.5,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.5,"discountPointsNoFees":-0.5,"originationCredit":0.5,"originationCreditNoFees":0.5,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.5,"dti":0.55901999999999996138200231143855489790439605712890625,"hti":0.2390500000000000124789067967867595143616199493408203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.5,"baseRates":5.5,"adjustedRates":5.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3983.57000000000016370904631912708282470703125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3984.2100000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110985.5599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3984.2100000000000363797880709171295166015625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.0990000000000000046629367034256574697792530059814453125,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.5,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0989999999999999769073610877967439591884613037109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0989999999999999769073610877967439591884613037109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.173999999999999932498440102790482342243194580078125,"totalNoteRateAdjustment":0.0},"apr":5.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3984.2100000000000363797880709171295166015625,"interestOnlyAmount":1682.6300000000001091393642127513885498046875,"interestPlusFixedPrinciple":3984.2100000000000363797880709171295166015625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.625,"dti":0.56039000000000005474731779031571932137012481689453125,"hti":0.2404100000000000125766064229537732899188995361328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.625,"baseRates":5.625,"adjustedRates":5.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4007.40000000000009094947017729282379150390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4006.98000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":113719.020000000004074536263942718505859375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4006.98000000000001818989403545856475830078125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.6999999999999999555910790149937383830547332763671875,"rawBasePoints":-0.456000000000000016431300764452316798269748687744140625,"adjustedPoints":-1.25,"adjustedPointsBorrowerPaid":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.625,"borrowerPaid":-4588.989999999999781721271574497222900390625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4588.989999999999781721271574497222900390625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.25,"borrowerPaidMinusCompDollarAmount":-4588.9880000000002837623469531536102294921875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.080999999999999960920149533194489777088165283203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.080999999999999960920149533194489777088165283203125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1559999999999999165112285481882281601428985595703125,"totalNoteRateAdjustment":0.0},"apr":5.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4588.989999999999781721271574497222900390625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4588.989999999999781721271574497222900390625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.25,"borrowerPaidAmount":-4588.989999999999781721271574497222900390625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4006.98000000000001818989403545856475830078125,"interestOnlyAmount":1720.8699999999998908606357872486114501953125,"interestPlusFixedPrinciple":4006.98000000000001818989403545856475830078125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.25,"finalQmClosingCosts":-4588.9875000000001818989403545856475830078125,"qmPercentage":-1.25,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.25,"discountPointsNoFees":-1.25,"originationCredit":1.25,"originationCreditNoFees":1.25,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.75":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.75,"dti":0.561760000000000037090330806677229702472686767578125,"hti":0.241790000000000004920508445138693787157535552978515625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.75,"baseRates":5.75,"adjustedRates":5.75,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4029.260000000000218278728425502777099609375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4029.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":116461.22000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4029.84000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.8249999999999999555910790149937383830547332763671875,"rawBasePoints":-0.334000000000000019095836023552692495286464691162109375,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.75,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08399999999999996358468479229486547410488128662109375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08399999999999996358468479229486547410488128662109375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1590000000000000301980662698042578995227813720703125,"totalNoteRateAdjustment":0.0},"apr":5.75,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4029.84000000000014551915228366851806640625,"interestOnlyAmount":1759.109999999999899955582804977893829345703125,"interestPlusFixedPrinciple":4029.84000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.75,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.875":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.875,"dti":0.56313000000000001943334382303874008357524871826171875,"hti":0.243159999999999987263521461500204168260097503662109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.875,"baseRates":5.875,"adjustedRates":5.875,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4052.23000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4052.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":119212.860000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4052.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":0.5749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.62399999999999999911182158029987476766109466552734375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.875,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.12399999999999999911182158029987476766109466552734375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.12399999999999999911182158029987476766109466552734375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1990000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":5.875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4052.76999999999998181010596454143524169921875,"interestOnlyAmount":1797.34999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4052.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.875,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.9900000000000002131628207280300557613372802734375,"dti":0.56440000000000001278976924368180334568023681640625,"hti":0.2444300000000000083755224977721809409558773040771484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.9900000000000002131628207280300557613372802734375,"baseRates":5.9900000000000002131628207280300557613372802734375,"adjustedRates":5.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4073.9600000000000363797880709171295166015625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4073.92999999999983629095368087291717529296875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121752.630000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4073.92999999999983629095368087291717529296875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.446000000000000174082970261224545538425445556640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":5.9900000000000002131628207280300557613372802734375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0709999999999999520383653361932374536991119384765625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0709999999999999520383653361932374536991119384765625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1510000000000000230926389122032560408115386962890625,"totalNoteRateAdjustment":0.0},"apr":5.9900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a2","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 YEAR FIXED CONFORMING","displayName":"10 Yr Fannie Fixed"},"conditionActions":[],"programName":"10 Yr Fannie Fixed","expired":false,"productName":"10 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4073.92999999999983629095368087291717529296875,"interestOnlyAmount":1832.5399999999999636202119290828704833984375,"interestPlusFixedPrinciple":4073.92999999999983629095368087291717529296875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.0,"dti":0.56450999999999995626609461396583355963230133056640625,"hti":0.2445400000000000073629990993140381760895252227783203125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.0,"baseRates":6.0,"adjustedRates":6.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.0,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.0,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4076.2899999999999636202119290828704833984375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4075.76999999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":121973.919999999998253770172595977783203125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4075.76999999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.2949999999999999289457264239899814128875732421875,"rawBasePoints":-2.459000000000000074606987254810519516468048095703125,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"adjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"rawAdjustmentPointsBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"armIndexRate":0.0,"notRoundedAPR":6.0,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"696a68663fe33500012448df","name":"Adjustments - Agency","pointBase":false,"type":"RATE","totalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"finalAdjustment":-0.08000000000000000166533453693773481063544750213623046875,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"6525605ace8ad00001c27559","attributes":[],"key":"States: Zone 1","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.1000000000000000055511151231257827021181583404541015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.1000000000000000055511151231257827021181583404541015625,"combinedAdjustmentsUsed":[]},{"referenceId":"65b133a2ce8ad0000131ff1c","attributes":[],"key":"Rate Term Refinance  - Additional - 740-759 / LTV >0.01 % <= 30.0 %","adjType":"FicoRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.179999999999999993338661852249060757458209991455078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.179999999999999993338661852249060757458209991455078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.5,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.084000000000000074606987254810519516468048095703125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.084000000000000074606987254810519516468048095703125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0800000000000000710542735760100185871124267578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0800000000000000710542735760100185871124267578125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.164000000000000145661260830820538103580474853515625,"totalNoteRateAdjustment":0.0},"apr":6.0,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"6557cf91ce8ad000012b25b3","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"62d08ef0ce8ad000017377ca","createdFromRatePeriodValidAs":"2026-02-04T15:14:18.221Z","parentRateOrCompanyInvalid":true,"createdFromCompanyId":"54dea1b2d4c64e3258c07e12","showCompanyName":true,"createdFromCompanyName":"NewRez","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"limitCode":"","customDisplayLenderName":"InstaMortgage 5","rateValidDate":"2025-09-09T14:59:17.583Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"54dea1b2d4c64e3258c07e12","allowModifiedDate":true,"name":"Newrez, LLC Correspondent","shortName":"Newrez, LLC Correspondent","guideLines":true,"turnTimes":[],"nmlsId":"3013","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"CorrespondentMrCharles (CL07)":"CL07 (70).xls"}},"name":"Newrez Delegated Corr CL01","validAsOf":"2026-02-04T15:18:11.793Z","fileKeyForAutoImport":"CL01","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"55600153e4b0cf20a341f59d","name":"Fannie/Freddie Fixed","applyParRounding":false},"rateGrid":{"id":"55600153e4b0cf20a341f5a2","closingDays":[15,30,45,60,75,90],"maxCompensation":-7.5,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","Construction","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10 YEAR FIXED CONFORMING","displayName":"10 Yr Fannie Fixed"},"conditionActions":[],"programName":"10 Yr Fannie Fixed","expired":false,"productName":"10 Yr Fannie Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4075.76999999999998181010596454143524169921875,"interestOnlyAmount":1835.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":4075.76999999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 5","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.375,"startedAdjustedPrice":-0.25,"undiscountedRate":5.375,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupAdjustmentProperties":-0.08000000000000000166533453693773481063544750213623046875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"4.99":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":4.9900000000000002131628207280300557613372802734375,"dti":0.553490000000000037516656448133289813995361328125,"hti":0.233520000000000005346834086594753898680210113525390625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":4.9900000000000002131628207280300557613372802734375,"baseRates":4.9900000000000002131628207280300557613372802734375,"adjustedRates":4.9900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3892.07000000000016370904631912708282470703125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.98699999999999998845368054389837197959423065185546875,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.01700000000000034816594052244909107685089111328125,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0129999999999999005240169935859739780426025390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0129999999999999005240169935859739780426025390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0879999999999998561150960085797123610973358154296875,"totalNoteRateAdjustment":0.0},"apr":5.01710000000000011510792319313623011112213134765625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3892.07000000000016370904631912708282470703125,"interestOnlyAmount":1526.59999999999990905052982270717620849609375,"interestPlusFixedPrinciple":3892.07000000000016370904631912708282470703125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.0":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.0,"dti":0.55359999999999998099298181841732002794742584228515625,"hti":0.2336300000000000043343106881366111338138580322265625,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.0,"baseRates":5.0,"adjustedRates":5.0,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.0,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5.0,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3893.34000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3893.8699999999998908606357872486114501953125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":100144.869999999995343387126922607421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3893.8699999999998908606357872486114501953125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":2.07500000000000017763568394002504646778106689453125,"rawBasePoints":0.95699999999999996180832795289461500942707061767578125,"adjustedPoints":0.125,"adjustedPointsBorrowerPaid":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.02700000000000013500311979441903531551361083984375,"borrowerPaid":458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":0.125,"borrowerPaidMinusCompDollarAmount":458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0429999999999999271693695845897309482097625732421875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0429999999999999271693695845897309482097625732421875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07499999999999999722444243843710864894092082977294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07499999999999999722444243843710864894092082977294921875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.117999999999999882760448599583469331264495849609375,"totalNoteRateAdjustment":0.0},"apr":5.02709999999999990194510246510617434978485107421875,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":0.125,"borrowerPaidAmount":458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3893.8699999999998908606357872486114501953125,"interestOnlyAmount":1529.660000000000081854523159563541412353515625,"interestPlusFixedPrinciple":3893.8699999999998908606357872486114501953125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.0,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":0.0,"finalQmClosingCosts":458.89875000000000682121026329696178436279296875,"qmPercentage":0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":0.125,"discountPointsNoFees":0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.125,"dti":0.5549500000000000543565192856476642191410064697265625,"hti":0.2349799999999999944311213084802147932350635528564453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.125,"baseRates":5.125,"adjustedRates":5.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3915.739999999999781721271574497222900390625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3916.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":102841.199999999997089616954326629638671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3916.34000000000014551915228366851806640625},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.8249999999999999555910790149937383830547332763671875,"rawBasePoints":0.74899999999999999911182158029987476766109466552734375,"adjustedPoints":-0.125,"adjustedPointsBorrowerPaid":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.125,"borrowerPaid":-458.8999999999999772626324556767940521240234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-458.8999999999999772626324556767940521240234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.125,"borrowerPaidMinusCompDollarAmount":-458.8990000000000009094947017729282379150390625,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.000999999999999889865875957184471189975738525390625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.000999999999999889865875957184471189975738525390625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.075000000000000011102230246251565404236316680908203125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.075000000000000011102230246251565404236316680908203125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0759999999999998454569549721782095730304718017578125,"totalNoteRateAdjustment":0.0},"apr":5.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-458.8999999999999772626324556767940521240234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-458.8999999999999772626324556767940521240234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.125,"borrowerPaidAmount":-458.8999999999999772626324556767940521240234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3916.34000000000014551915228366851806640625,"interestOnlyAmount":1567.90000000000009094947017729282379150390625,"interestPlusFixedPrinciple":3916.34000000000014551915228366851806640625,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.125,"finalQmClosingCosts":-458.89875000000000682121026329696178436279296875,"qmPercentage":-0.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.125,"discountPointsNoFees":-0.125,"originationCredit":0.125,"originationCreditNoFees":0.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"5.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":5.4900000000000002131628207280300557613372802734375,"dti":0.55891000000000001790567694115452468395233154296875,"hti":0.2389400000000000134914301952449022792279720306396484375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":5.4900000000000002131628207280300557613372802734375,"baseRates":5.4900000000000002131628207280300557613372802734375,"adjustedRates":5.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3981.90999999999985448084771633148193359375}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":3982.38999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":110767.3200000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":3982.38999999999987267074175179004669189453125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-0.07199999999999999455990717933673295192420482635498046875,"adjustedPoints":-0.875,"adjustedPointsBorrowerPaid":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"adjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"rawAdjustmentPointsBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"armIndexRate":0.0,"notRoundedAPR":5.4900000000000002131628207280300557613372802734375,"borrowerPaid":-3212.2899999999999636202119290828704833984375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-3212.2899999999999636202119290828704833984375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-0.875,"borrowerPaidMinusCompDollarAmount":-3212.2910000000001673470251262187957763671875,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"61085f6cce8ad00001491736","name":"SRP - Conventional Fixed","pointBase":false,"type":"RATE","totalAdjustment":-1.899999999999999911182158029987476766109466552734375,"finalAdjustment":-1.899999999999999911182158029987476766109466552734375,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"58923f5ce4b088b12396ec71","attributes":[],"key":"SRP Conventional Conforming Fixed -  AZ  / Loan Amount >=$300,000 < $400,000","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-2.20000000000000017763568394002504646778106689453125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-2.20000000000000017763568394002504646778106689453125,"combinedAdjustmentsUsed":[]},{"referenceId":"61085f6cce8ad00001491736","attributes":[],"key":"SRP Conventional Fixed<20 Yrs","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.299999999999999988897769753748434595763683319091796875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.299999999999999988897769753748434595763683319091796875,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.07199999999999995292654375589336268603801727294921875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.07199999999999995292654375589336268603801727294921875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0749999999999999555910790149937383830547332763671875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0749999999999999555910790149937383830547332763671875,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1470000000000000195399252334027551114559173583984375,"totalNoteRateAdjustment":0.0},"apr":5.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3212.2899999999999636202119290828704833984375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3212.2899999999999636202119290828704833984375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df1a2ce8ad00001e18c82","name":"FREDDIE MAC OTHER","applyParRounding":false},"rateGrid":{"id":"63066abfce8ad00001956d31","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"CFH10","displayName":"FHLMC Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FHLMC Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-0.875,"borrowerPaidAmount":-3212.2899999999999636202119290828704833984375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":3982.38999999999987267074175179004669189453125,"interestOnlyAmount":1679.569999999999936335370875895023345947265625,"interestPlusFixedPrinciple":3982.38999999999987267074175179004669189453125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-0.87500000000000011102230246251565404236316680908203125,"finalQmClosingCosts":-3212.291250000000218278728425502777099609375,"qmPercentage":-0.87500000000000011102230246251565404236316680908203125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.125,"startedAdjustedPrice":-0.125,"undiscountedRate":5.125,"discountPoints":-0.875,"discountPointsNoFees":-0.875,"originationCredit":0.875,"originationCreditNoFees":0.875,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-1.9499999999999999555910790149937383830547332763671875,"totalGroupAdjustmentProperties":-1.9499999999999999555910790149937383830547332763671875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.125":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.125,"dti":0.56589999999999995861088564197416417300701141357421875,"hti":0.2459300000000000097077901273223687894642353057861328125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.125,"baseRates":6.125,"adjustedRates":6.125,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4098.22999999999956344254314899444580078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4098.8599999999996725819073617458343505859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":124743.5700000000069849193096160888671875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4098.8599999999996725819073617458343505859375},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.463999999999999968025576890795491635799407958984375,"rawBasePoints":-2.552000000000000046185277824406512081623077392578125,"adjustedPoints":-1.0,"adjustedPointsBorrowerPaid":-1.0,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.125,"borrowerPaid":-3671.19000000000005456968210637569427490234375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.0,"borrowerPaidMinusCompDollarAmount":-3671.19000000000005456968210637569427490234375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1.0,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.052000000000000046185277824406512081623077392578125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.052000000000000046185277824406512081623077392578125,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.08800000000000007815970093361102044582366943359375,"totalNoteRateAdjustment":0.0},"apr":6.125,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-3671.19000000000005456968210637569427490234375,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-3671.19000000000005456968210637569427490234375,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.0,"borrowerPaidAmount":-3671.19000000000005456968210637569427490234375,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4098.8599999999996725819073617458343505859375,"interestOnlyAmount":1873.839999999999918145476840436458587646484375,"interestPlusFixedPrinciple":4098.8599999999996725819073617458343505859375,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.125,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.0,"finalQmClosingCosts":-3671.19000000000005456968210637569427490234375,"qmPercentage":-1.0,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.0,"discountPointsNoFees":-1.0,"originationCredit":1.0,"originationCreditNoFees":1.0,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.25":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.25,"dti":0.56728999999999996095567666998249478638172149658203125,"hti":0.2473200000000000120525811553306994028389453887939453125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.25,"baseRates":6.25,"adjustedRates":6.25,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4121.3000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4122.02000000000043655745685100555419921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":127522.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4122.02000000000043655745685100555419921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.838999999999999968025576890795491635799407958984375,"rawBasePoints":-2.912999999999999811706175023573450744152069091796875,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"adjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"rawAdjustmentPointsBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"armIndexRate":0.0,"notRoundedAPR":6.25,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0380000000000000337507799486047588288784027099609375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0380000000000000337507799486047588288784027099609375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.036000000000000031974423109204508364200592041015625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.036000000000000031974423109204508364200592041015625,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.0740000000000000657252030578092671930789947509765625,"totalNoteRateAdjustment":0.0},"apr":6.25,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3838ce8ad0000119d838","name":"Conventional FHLMC","applyParRounding":false},"rateGrid":{"id":"629a39d2ce8ad000011b2f03","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["LP"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FHLMC","displayName":"FHLMC Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FHLMC Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4122.02000000000043655745685100555419921875,"interestOnlyAmount":1912.079999999999927240423858165740966796875,"interestPlusFixedPrinciple":4122.02000000000043655745685100555419921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.25,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.625,"startedAdjustedPrice":0.0,"undiscountedRate":5.625,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.464000000000000023536728122053318656980991363525390625,"totalGroupAdjustmentProperties":0.464000000000000023536728122053318656980991363525390625,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.375":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.375,"dti":0.56867999999999996330046769799082539975643157958984375,"hti":0.24870999999999998664179656771011650562286376953125,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.375,"baseRates":6.375,"adjustedRates":6.375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4145.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4145.25,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":130311.1900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4145.25},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.8890000000000000124344978758017532527446746826171875,"rawBasePoints":-3.08199999999999985078602549037896096706390380859375,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"adjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"rawAdjustmentPointsBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"armIndexRate":0.0,"notRoundedAPR":6.375,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"66632121ce8ad00001eab7bc","name":"Adjustments - FNMA Loan Amount (Exc. HR)","pointBase":false,"type":"RATE","totalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"66632121ce8ad00001eab7bc","attributes":[],"key":"Fannie Mae Only UPB Adjustment - 10/15Y / Loan Amount >=$300,001 < $450,001","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]},{"referenceId":"6980f9e1a700ab0001133521","name":"Adjustments - PHH Conventional Loan Level","pointBase":false,"type":"RATE","totalAdjustment":0.464000000000000023536728122053318656980991363525390625,"finalAdjustment":0.464000000000000023536728122053318656980991363525390625,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"629a54e7ce8ad0000125ae25","attributes":[],"key":"State - With Escrow - AZ / Loan Amount >=$0+","adjType":"StatesRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.064000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.064000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f774a700ab00010dccc1","attributes":[],"key":"Loan Amount <=$50,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.39000000000000001332267629550187848508358001708984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.39000000000000001332267629550187848508358001708984375,"combinedAdjustmentsUsed":[]},{"referenceId":"6980f931a700ab00011055a5","attributes":[],"key":"Loan Amount >$350,000 - <=$400,000","adjType":"LoanAmountRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":0.01000000000000000020816681711721685132943093776702880859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":0.01000000000000000020816681711721685132943093776702880859375,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.08199999999999985078602549037896096706390380859375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.08199999999999985078602549037896096706390380859375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.1109999999999999875655021241982467472553253173828125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.1109999999999999875655021241982467472553253173828125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.1929999999999998383515276145772077143192291259765625,"totalNoteRateAdjustment":0.0},"apr":6.375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"68f1465d9c900e0001987196","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6308da6ece8ad0000143c5e6","createdFromRatePeriodValidAs":"2026-02-04T15:16:20.315Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"629a0f74ce8ad00001037ab1","showCompanyName":true,"createdFromCompanyName":"PHH Mortgage","useInvestorLockPolicy":false,"loanLimitYearOverride":2026,"customDisplayLenderName":"InstaMortgage 10*","rateValidDate":"2025-10-16T19:29:50.096Z","rateEndDate":"2025-10-16T19:29:50.096Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"629a0f74ce8ad00001037ab1","allowModifiedDate":true,"name":"PHH Mortgage","shortName":"PHH Mortgage","guideLines":true,"turnTimes":[],"nmlsId":"2726","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"Corr C15 Rate Sheet":"Best Efforts Rate Sheet_C15.xlsx","Corr E1 Rate Sheet":"Best Efforts Rate Sheet_E1.xlsx"}},"name":"PHH Correspondent E6","validAsOf":"2026-02-05T04:46:07.005Z","fileKeyForAutoImport":"Corr E6 Rate Sheet","autoImportClz":"","overrideHoldBack":0.0,"publish":true,"expired":true,"public":false},"rateProgram":{"id":"629a3505ce8ad0000119a34d","name":"Conventional FNMA","applyParRounding":false},"rateGrid":{"id":"629a37ebce8ad0000119d089","closingDays":[15,30,45,60,75,90,120],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":120,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":[],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance","ConstructionPerm"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"10yr Fixed P&I Conforming - FNMA","displayName":"FNMA Conforming 10 Yr Fixed"},"conditionActions":[],"programName":"FNMA Conforming 10 Yr Fixed","expired":true,"productName":"10 Yr Fixed","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4145.25,"interestOnlyAmount":1950.319999999999936335370875895023345947265625,"interestPlusFixedPrinciple":4145.25,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 10*","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":5.75,"startedAdjustedPrice":-0.125,"undiscountedRate":5.75,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":0.5140000000000000124344978758017532527446746826171875,"totalGroupAdjustmentProperties":0.5140000000000000124344978758017532527446746826171875,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.49":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.4900000000000002131628207280300557613372802734375,"dti":0.56996999999999997665867113028070889413356781005859375,"hti":0.25,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.4900000000000002131628207280300557613372802734375,"baseRates":6.4900000000000002131628207280300557613372802734375,"adjustedRates":6.4900000000000002131628207280300557613372802734375,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4167.4399999999995998223312199115753173828125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4166.6899999999995998223312199115753173828125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":132884.5499999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4166.6899999999995998223312199115753173828125},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.138999999999999790389892950770445168018341064453125,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.4900000000000002131628207280300557613372802734375,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0140000000000000124344978758017532527446746826171875,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0140000000000000124344978758017532527446746826171875,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06400000000000005684341886080801486968994140625,"totalNoteRateAdjustment":0.0},"apr":6.4900000000000002131628207280300557613372802734375,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4166.6899999999995998223312199115753173828125,"interestOnlyAmount":1985.5,"interestPlusFixedPrinciple":4166.6899999999995998223312199115753173828125,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.5":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.5,"dti":0.57008000000000003115729896308039315044879913330078125,"hti":0.250109999999999998987476601541857235133647918701171875,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.5,"baseRates":6.5,"adjustedRates":6.5,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4168.84000000000014551915228366851806640625}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4168.5600000000004001776687800884246826171875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":133108.48000000001047737896442413330078125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4168.5600000000004001776687800884246826171875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.0749999999999999555910790149937383830547332763671875,"rawBasePoints":-2.164000000000000145661260830820538103580474853515625,"adjustedPoints":-1.125,"adjustedPointsBorrowerPaid":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.5,"borrowerPaid":-4130.09000000000014551915228366851806640625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-4130.09000000000014551915228366851806640625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.125,"borrowerPaidMinusCompDollarAmount":-4130.0889999999999417923390865325927734375,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0389999999999999236166559057892300188541412353515625,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0389999999999999236166559057892300188541412353515625,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.088999999999999968025576890795491635799407958984375,"totalNoteRateAdjustment":0.0},"apr":6.5,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-4130.09000000000014551915228366851806640625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-4130.09000000000014551915228366851806640625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.125,"borrowerPaidAmount":-4130.09000000000014551915228366851806640625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4168.5600000000004001776687800884246826171875,"interestOnlyAmount":1988.55999999999994543031789362430572509765625,"interestPlusFixedPrinciple":4168.5600000000004001776687800884246826171875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.5,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.125,"finalQmClosingCosts":-4130.0887499999998908606357872486114501953125,"qmPercentage":-1.125,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.125,"discountPointsNoFees":-1.125,"originationCredit":1.125,"originationCreditNoFees":1.125,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}],"6.625":[{"overrideLLPA":{"pointAdjs":[],"rateAdjs":[],"executionType":null},"dynamicDataResult":[],"rate":6.625,"dti":0.5714900000000000535038680027355439960956573486328125,"hti":0.25151000000000001133315663537359796464443206787109375,"hoa":0.0,"incomeAmiRatio":1.8248540145985401306205631044576875865459442138671875,"totalOriginationFee":0.0,"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"termInMonths":false,"dayLock":30,"rawRates":6.625,"baseRates":6.625,"adjustedRates":6.625,"adjustmentRates":0.0,"loanLimitLite":{"mortgageLimit":"Conforming","conventionnalLoanLimitAmount":832750.0,"matchingCountyLoanLimit":832750.0,"countyLoanLimit1Unit":832750.0,"countyLoanLimit2Unit":1066250.0,"countyLoanLimit3Unit":1288800.0,"countyLoanLimit4Unit":1601750.0,"fhaLoanLimit":557750.0},"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-4191.8000000000001818989403545856475830078125}],"totalBuyDownAmount":0.0,"monthlyPayment":{"start":0,"end":0,"rate":0.0,"monthlyPI":4191.9499999999998181010596454143524169921875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":367119.0,"totalInterest":135914.85000000000582076609134674072265625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":4191.9499999999998181010596454143524169921875},"multiSearchKey":-571734392,"multiSearchKeyV2":-571734392,"fico":742.0,"dscr":0.0,"pointsFinancedDollarAmount":0.0,"ltv":0.05244999999999999662492200513952411711215972900390625,"cltv":0.05244999999999999662492200513952411711215972900390625,"hcltvLineAmount":0.05244999999999999662492200513952411711215972900390625,"hcltvDrawAmount":0.05244999999999999662492200513952411711215972900390625,"modLtv":0.0,"modCltv":0.0,"modHcltv":0.0,"modFico":0,"basePoints":-1.3249999999999999555910790149937383830547332763671875,"rawBasePoints":-2.3940000000000001278976924368180334568023681640625,"adjustedPoints":-1.375,"adjustedPointsBorrowerPaid":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"adjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"rawAdjustmentPointsBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"armIndexRate":0.0,"notRoundedAPR":6.625,"borrowerPaid":-5047.8900000000003274180926382541656494140625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"lenderPaid":-5047.8900000000003274180926382541656494140625,"lenderPaidOnlyComp":0.0,"borrowerPaidMinusComp":-1.375,"borrowerPaidMinusCompDollarAmount":-5047.886000000000422005541622638702392578125,"lenderPaidOnlyCompDollarAmount":0.0,"lenderPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}],"brokerPaidDetails":[],"otherPaidDetails":[],"libor":0.0,"hideDisqualified":false,"disqualified":false,"interpolated":false,"interpolationTarget":false,"descriptiveAdjustmentProperties":[],"groupAdjustmentProperties":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupAdjustmentPropertiesBorrowerPaid":[{"referenceId":"637256acce8ad00001633506","name":"Adj - MRC Risk Adjustments (Excluded from Price Caps)","pointBase":false,"type":"RATE","totalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"finalAdjustment":-0.05000000000000000277555756156289135105907917022705078125,"includeZeroValuedAdjustments":false,"adjustments":[{"referenceId":"637256acce8ad00001633506","attributes":[],"key":"MRC Risk Adjustments (excluded from price caps) - Refinance / CLTV >0.01 % <= 60.0 %","adjType":"SimpleRateAdjustment","type":"LLPA","valueType":"Points","includeInInterpolationComp":true,"adj":-0.05000000000000000277555756156289135105907917022705078125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"llpa":-0.05000000000000000277555756156289135105907917022705078125,"combinedAdjustmentsUsed":[]}],"qualifyAdjustments":[],"disqualifyAdjustments":[],"hideDisqualifyAdjustments":[],"disqualifyAdjIds":[]}],"groupRateAdjustmentProperties":[],"groupAdjustmentPropertiesBPMI":[],"groupAdjustmentPropertiesPVA":[],"pointCap":{"description":"Max Comp. ","cap":-7.0,"targetType":null},"holdBackResult":{"broker":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[{"referenceId":"65f07896ce8ad00001792f8f","attributes":[],"key":"Flex- Conforming","adjType":"SimpleRateAdjustment","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":1.0,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":1.0,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0189999999999999058530875117867253720760345458984375,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0189999999999999058530875117867253720760345458984375,"combinedAdjustmentsUsed":[]},{"referenceId":"","attributes":[],"key":"Rounding Adjustment","adjType":"Margin","type":"Margin","valueType":"Points","includeInInterpolationComp":true,"adj":0.0500000000000000444089209850062616169452667236328125,"pmiTypes":[],"qualifiedSpecialOptionFromAdj":[],"qualifiedSpecialOptionFromAdjFilter":[],"tags":[],"triggerServicingGrouping":false,"margin":0.0500000000000000444089209850062616169452667236328125,"combinedAdjustmentsUsed":[]}],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"lender":{"conditions":[],"qualifications":[],"disqualifications":[],"hideDisqualifications":[],"adjustments":[],"displayOverrideResult":null,"adjustmentsBDTI":[],"eligible":false,"totalAdjustment":0.0,"totalNoteRateAdjustment":0.0},"totalAdjustment":1.06899999999999995026200849679298698902130126953125,"totalNoteRateAdjustment":0.0},"apr":6.625,"closingCost":{"total":758.0,"closingCostGroup":[],"settlementCost":{"origination":{"othersLabel":"Fee","others":0.0,"underwritingLabel":"Underwriting","underwriting":0.0,"administrationLabel":"Administration Fee","administration":null,"lenderCreditLabel":"Lender Credit","lenderCredit":null,"applyLenderCreditToApr":false,"total":0.0},"titleService":{"overrideTitle":false,"titleInsuranceLabel":"Title Insurance Cost","titleInsurance":null,"borrowerTitlePaidPercentLabel":"Borrower Title Insurance Percent","borrowerTitlePaidPercent":0.5,"overrideEscrow":false,"escrowCostLabel":"Escrow Cost","escrowCost":null,"borrowerEscrowPaidPercentLabel":"Borrower Escrow Cost Percent","borrowerEscrowPaidPercent":0.5,"notarySignLabel":"Notary Sign","notarySign":145.0,"total":145.0},"thirdPartyServices":{"appraisalLabel":"Appraisal","appraisal":500.0,"taxServiceLabel":"Tax Service","taxService":0.0,"creditReportLabel":"Credit Report","creditReport":0.0,"floodCertificationLabel":"Floor Certification","floodCertification":12.0,"overnightLabel":"Overnight","overnight":16.0,"recordingLabel":"Recording","recording":85.0,"total":613.0},"closingCostGroup":[],"total":758.0},"useClosingCost":false,"useCompanyDefaultClosingCost":false,"useErnstCost":false,"directCustomFee":false,"allowErnstQuote":false},"closingCostDetails":[],"finalClosingCost":-5047.8900000000003274180926382541656494140625,"finalSubClosingCost":0.0,"closingCostDetailsBorrowerPaid":[],"finalClosingCostBorrowerPaid":-5047.8900000000003274180926382541656494140625,"compliancesMapByType":[],"pmiType":"None","ratePeriod":{"id":"667f0c42ce8ad00001855978","rateType":"All","classType":"RatePeriodLinked","fees":[],"createdFromRatePeriodId":"6657ad04ce8ad000016f2a97","createdFromRatePeriodValidAs":"2026-02-04T18:18:44.052Z","parentRateOrCompanyInvalid":false,"createdFromCompanyId":"55dfa738e4b078f4132493b7","showCompanyName":true,"createdFromCompanyName":"Mr. Cooper","useInvestorLockPolicy":false,"customDisplayLenderName":"InstaMortgage 3","rateValidDate":"2025-10-29T20:50:07.332Z","skipConstructionPeriod":false,"applyParRounding":false,"companyId":"62c32579ce8ad000010a5f06","company":{"id":"55dfa738e4b078f4132493b7","allowModifiedDate":true,"name":"Mr. Cooper Correspondent","shortName":"Mr. Cooper","guideLines":true,"turnTimes":[],"nmlsId":"2119","allowPublicReview":false,"armRoundedFullyIndexedRate":false,"customRateFiles":{"MRC-Corr-11277_xlsx":"RKT-Corr-11277.xlsx","MRC-Corr-10915_xlsx":"MRC-Corr-10915.xlsx","FNMA_Base":"ConvFNMABase_03062024 033314.csv","MRC-Corr-10377_xlsx":"RKT-Corr-10377.xlsx","Rocket Mortgage Non-QM Correspondent Rate Sheet_xlsx":"Rocket Mortgage Non-QM Correspondent Rate Sheet.xlsx","Mr Cooper Rate Import":"MRC-Corr Parent_1660247506049.xlsx","MRC-Corr-11746_xlsx":"MRC-Corr-11746.xlsx","RKT-Corr-11851_xlsx":"RKT-Corr-11851.xlsx","MRC-Corr-10635_xlsx":"RKT-Corr-10635.xlsx","RKT-Corr-11834_xlsx":"RKT-Corr-11834.xlsx","MRC-Corr-11445_xlsx":"MRC-Corr-11445.xlsx","MRC-Corr-11758":"RKT-Corr-11758.xlsx","MRC-Corr-11827_xlsx":"RKT-Corr-11827.xlsx","RKT-Corr-11782_xlsx":"RKT-Corr-11782.xlsx","MRC-Corr Delegated BE - 11627":"RKT-Corr-11627.xlsx","RKT-Corr-11151_xlsx":"RKT-Corr-11151.xlsx","MRC-Corr-11628_xlsx":"RKT-Corr-11628.xlsx","RKT-Corr-11704_xlsx":"RKT-Corr-11704.xlsx"}},"name":"MRC-Corr Delegated BE - 11628","validAsOf":"2026-02-04T18:18:46.342Z","fileKeyForAutoImport":"RKT-Corr-11628_xlsx","autoImportClz":"","maxCompensation":-7.0,"overrideHoldBack":0.0,"publish":true,"expired":false,"public":false},"rateProgram":{"id":"5f8df948ce8ad0000122d662","name":"FANNIE MAE OTHER","applyParRounding":false},"rateGrid":{"id":"63067c99ce8ad00001b45a39","closingDays":[7,15,30,45,60,75,90],"maxCompensation":null,"note":"","compPlan":null,"adjustmentCap":null,"adjMeta":null,"qmTypes":["QM"],"qualifyingRateSource":null,"yearlyTerm":null,"fixPaymentOption":null,"dueTerms":0,"amortizationTerms":0,"interestOnlyMonth":0,"parallelIO":false,"armFloorRateType":null,"armFloorRateFlatValue":null,"listOfRateGridSelectedForBlendingWithInfo":[],"affordableHousingTypes":["None"],"ltvModifierCapRange":null,"ficoModifierCapRange":null,"deactivateMi":false,"disqualified":[],"copy":false,"rateGridFrom":null,"rateGridFromName":null,"rtlproduct":false,"reversemortgage":false,"disregardFhaLoanLimit":false,"pmiTypes":["None","LPMI","BPMI"],"mortgageTypes":["Conventional"],"mortgageLimits":["Conforming"],"specialtyProduct":null,"loanType":"Fixed","helocType":"Rate","armMargin":null,"armRoundingFactor":null,"armRoundingStractegy":null,"armCaps":null,"armCeiling":null,"armChangeDates":null,"armLookbackPeriod":null,"specialMortgageOptions":[],"varaiableLoanTypes":[],"aus":["DU"],"libor":null,"liborType":null,"liborMigratedtoLiborType":false,"productCode":"Conforming","loanPlanId":null,"lockGroup":null,"hedgeEnabled":false,"allowedLockGroupChange":[],"maxCompensationDollarAmount":null,"vaLoanType":null,"fhaLoanType":"STANDARD","agency":null,"loanPurposes":["Purchase","Refinance","CashoutRefinance"],"terms":[10],"termsInMonths":false,"mortgageLimitsMatchedWithSearch":["Conforming"],"mortgageLimitYearMatched":2026,"fhaMortgageLimitToMatch":null,"customFieldMap":[],"minimumMonthlyPaymentPercentage":null,"minimumMonthlyPaymentAmount":null,"assumption":false,"name":"FNMA10","displayName":"FNMA Standard Agency 10 YR FIXED"},"conditionActions":[],"programName":"FNMA Standard Agency 10 YR FIXED","expired":false,"productName":"10 YR FIXED","appraisalWaiverIndicator":false,"highBalanceIndicator":false,"borrowerPaidPoints":-1.375,"borrowerPaidAmount":-5047.8900000000003274180926382541656494140625,"sameServiceIndicator":false,"apor":5.5999999999999996447286321199499070644378662109375,"indexRate":0.0,"loanFeePercent":[],"loanFeeAmount":[],"amortizationSchedule":[],"annualMiPremiumAmount":0.0,"monthlyPaymentAmount":0.0,"monthlyTotal":4191.9499999999998181010596454143524169921875,"interestOnlyAmount":2026.799999999999954525264911353588104248046875,"interestPlusFixedPrinciple":4191.9499999999998181010596454143524169921875,"totalLoanAmount":367119.0,"undiscountedInterestRatePercent":0.0,"bonafideAmount":0.0,"adjustedPricingExceptionAmount":0.0,"adjustedLockExtentionAmount":0.0,"cashToCloseAmount":0.0,"cashToCloseItems":[],"qualifyingRatePercent":6.625,"qualifyingRateDelta":0.0,"athenaFees":[],"discountStartedAdjustedRate":0.0,"companyName":"InstaMortgage 3","finalQmPercentage":-1.3750000000000002220446049250313080847263336181640625,"finalQmClosingCosts":-5047.8862500000004729372449219226837158203125,"qmPercentage":-1.3750000000000002220446049250313080847263336181640625,"discountDetail":{"discountRate":null,"discountAmount":null},"premiumDetail":{"premiumRate":null,"premiumAmount":null},"startedAdjustedRate":6.125,"startedAdjustedPrice":-0.125,"undiscountedRate":6.125,"discountPoints":-1.375,"discountPointsNoFees":-1.375,"originationCredit":1.375,"originationCreditNoFees":1.375,"topRateComplianceTestResult":0.0,"rateStackTopRateDetail":[],"lenderFeeWaiver":false,"totalGroupAdjustmentPropertiesBorrowerPaid":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupAdjustmentProperties":-0.05000000000000000277555756156289135105907917022705078125,"totalGroupRateAdjustmentProperties":0.0,"mortgageLimitsMatchedWithSearch":["Conforming"]}]},"companiesDetailInfoMap":[],"feeMap":[],"smo":[],"interpolatedRates":[]},"criteriaCombinationDTO":{"terms":"Terms_120","loanType":"Fixed","amortType":null,"loanPurpose":"Refinance","mortgageType":"Conventional","loanAmount":"367119","key":-571734392,"dayLock":30},"criteriaKey":-571734392}}]} 
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.49 -> Converted as: 6.49  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.49  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.99 -> Converted as: 6.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7.125 -> Converted as: 7.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.125  
[2026-02-05 07:07:44] local.INFO: Available keys in data: ["5.75","5.875","5.99","6.0","6.125","6.25","5.625","6.375","6.49","6.5","6.625","6.75","6.875","6.99","7.0","7.125"]  
[2026-02-05 07:07:44] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7.125 -> Converted as: 7.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7.25 -> Converted as: 7.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7.375 -> Converted as: 7.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.375  
[2026-02-05 07:07:44] local.INFO: Available keys in data: ["4.99","5.0","5.125","5.25","5.375","5.49","5.5","5.625","5.75","5.875","6.0","6.125","6.25","6.375","6.5","6.625","6.75","6.875","7.0","7.125","7.25","7.375"]  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:44] local.INFO: Available keys in data: ["5.625","5.75","5.875","5.99","6.0","6.25","6.125","6.375","6.5","5.5","6.625","6.75","6.875"]  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.75 -> Converted as: 6.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.875 -> Converted as: 6.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7 -> Converted as: 7.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 7.125 -> Converted as: 7.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 7.125  
[2026-02-05 07:07:44] local.INFO: Available keys in data: ["5.75","5.875","5.99","6.0","6.125","6.25","5.625","6.375","6.75","6.5","6.625","6.875","7.0","7.125"]  
[2026-02-05 07:07:44] local.INFO: Checking rate: 4.99 -> Converted as: 4.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5 -> Converted as: 5.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.125 -> Converted as: 5.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.25 -> Converted as: 5.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.375 -> Converted as: 5.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.49 -> Converted as: 5.49  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.49  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.5 -> Converted as: 5.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.625 -> Converted as: 5.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.75 -> Converted as: 5.75  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.75  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.875 -> Converted as: 5.875  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.875  
[2026-02-05 07:07:44] local.INFO: Checking rate: 5.99 -> Converted as: 5.99  
[2026-02-05 07:07:44] local.INFO: Matched rate: 5.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6 -> Converted as: 6.0  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.0  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.125 -> Converted as: 6.125  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.125  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.25 -> Converted as: 6.25  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.25  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.375 -> Converted as: 6.375  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.375  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.49 -> Converted as: 6.49  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.49  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.5 -> Converted as: 6.5  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: 6.625 -> Converted as: 6.625  
[2026-02-05 07:07:44] local.INFO: Matched rate: 6.625  
[2026-02-05 07:07:44] local.INFO: Available keys in data: ["5.25","5.375","5.5","5.625","5.75","5.875","5.99","6.0","4.99","5.0","5.125","5.49","6.125","6.25","6.375","6.49","6.5","6.625"]  
[2026-02-05 07:07:44] local.INFO: ----------------termRates data--------------{"termRates":{"300":[{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25yr Fixed - 350k < Bal <= 375k","term":300,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2309.57000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":325751.400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.75,"fico":742,"apr":5.7629999999999999005240169935859739780426025390625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 25yr Fixed - 350k < Bal <= 375k","productName":"25yr Fixed - 350k < Bal <= 375k","monthlyTotal":2309.57000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.75,"monthlyPI":-2309.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364821.0399999999790452420711517333984375,"totalInterest":325740.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2309.57000000000016370904631912708282470703125},{"start":300,"end":300,"rate":5.75,"monthlyPI":-2308.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2297.9600000000000363797880709171295166015625,"totalInterest":11.0099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2308.96999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2363.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":341813.7100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2363.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2363.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364767.9199999999837018549442291259765625,"totalInterest":341801.96999999997206032276153564453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2363.11000000000012732925824820995330810546875},{"start":300,"end":300,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2362.82000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2351.079999999999927240423858165740966796875,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2362.82000000000016370904631912708282470703125}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Freddie Fixed","term":300,"rate":6,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"monthlyPayment":2365.34999999999990905052982270717620849609375,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":342487.96999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"25 Yr Freddie Fixed","productName":"25 Yr Freddie Fixed","monthlyTotal":2365.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6,"monthlyPI":-2365.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364763.4600000000209547579288482666015625,"totalInterest":342476.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2365.34999999999990905052982270717620849609375},{"start":300,"end":300,"rate":6,"monthlyPI":-2367.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2355.5399999999999636202119290828704833984375,"totalInterest":11.7799999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2367.32000000000016370904631912708282470703125}],"qualifyingRatePercent":6,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2393.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":350927.73999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2393.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.125,"monthlyPI":-2393.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364734.9500000000116415321826934814453125,"totalInterest":350915.5700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2393.48000000000001818989403545856475830078125},{"start":300,"end":300,"rate":6.125,"monthlyPI":-2396.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2384.0500000000001818989403545856475830078125,"totalInterest":12.1699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2396.21999999999979991116560995578765869140625}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Freddie Fixed","term":300,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"monthlyPayment":2421.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":359413.109999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"25 Yr Freddie Fixed","productName":"25 Yr Freddie Fixed","monthlyTotal":2421.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.25,"monthlyPI":-2421.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364708.6699999999837018549442291259765625,"totalInterest":359400.5599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2421.76999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.25,"monthlyPI":-2422.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2410.329999999999927240423858165740966796875,"totalInterest":12.550000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2422.8800000000001091393642127513885498046875}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Fixed","term":300,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2450.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":367943.5800000000162981450557708740234375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Conforming 25 Yr Fixed","productName":"25 Yr Fixed","monthlyTotal":2450.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.375,"monthlyPI":-2450.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364685.130000000004656612873077392578125,"totalInterest":367930.650000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2450.21999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.375,"monthlyPI":-2446.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2433.8699999999998908606357872486114501953125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2446.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":0,"monthlyPayment":2476.51999999999998181010596454143524169921875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":375837.2100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2476.51999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.51999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364655.5900000000256113708019256591796875,"totalInterest":375823.890000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2476.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.73000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2463.40999999999985448084771633148193359375,"totalInterest":13.32000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2476.73000000000001818989403545856475830078125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Year Fixed Conforming FHLMC LP","term":300,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2478.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":376526.9500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"25 Year Fixed Conforming FHLMC LP","productName":"25 Year Fixed Conforming FHLMC LP","monthlyTotal":2478.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.5,"monthlyPI":-2478.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364650.609999999986030161380767822265625,"totalInterest":376513.5800000000162981450557708740234375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2478.80999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.5,"monthlyPI":-2481.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2468.38999999999987267074175179004669189453125,"totalInterest":13.3699999999999992184029906638897955417633056640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2481.760000000000218278728425502777099609375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.625,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":0,"monthlyPayment":2507.55999999999994543031789362430572509765625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":385152.46999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2507.55999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.625,"monthlyPI":-2507.55999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364621.76000000000931322574615478515625,"totalInterest":385138.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2507.55999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.625,"monthlyPI":-2511.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2497.239999999999781721271574497222900390625,"totalInterest":13.78999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2511.03000000000020008883439004421234130859375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Fixed","term":300,"rate":6.75,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2536.46999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":393820.03000000002793967723846435546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 25 Yr Fixed","productName":"25 Yr Fixed","monthlyTotal":2536.46999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.75,"monthlyPI":-2536.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364598.6799999999930150806903839111328125,"totalInterest":393805.849999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2536.46999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.75,"monthlyPI":-2534.5,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2520.32000000000016370904631912708282470703125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2534.5}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0,"monthlyPayment":2565.51999999999998181010596454143524169921875,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":402537.0700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2565.51999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.875,"monthlyPI":-2565.51999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364568.0200000000186264514923095703125,"totalInterest":402522.4600000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2565.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.875,"monthlyPI":-2565.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2550.98000000000001818989403545856475830078125,"totalInterest":14.6099999999999994315658113919198513031005859375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2565.59000000000014551915228366851806640625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.9900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0,"monthlyPayment":2592.3800000000001091393642127513885498046875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":410594.21999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.9900000000000002131628207280300557613372802734375,"fico":742,"apr":6.9900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2592.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2592.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364542.4099999999743886291980743408203125,"totalInterest":410579.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2592.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2591.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2576.59000000000014551915228366851806640625,"totalInterest":15.0099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2591.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":7,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0,"monthlyPayment":2594.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":411297.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2594.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":7,"monthlyPI":-2594.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364538.78000000002793967723846435546875,"totalInterest":411282.5,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2594.71999999999979991116560995578765869140625},{"start":300,"end":300,"rate":7,"monthlyPI":-2595.26999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2580.21999999999979991116560995578765869140625,"totalInterest":15.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2595.26999999999998181010596454143524169921875}],"qualifyingRatePercent":7,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0,"monthlyPayment":2624.07000000000016370904631912708282470703125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":420100.7700000000186264514923095703125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2624.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":7.125,"monthlyPI":-2624.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364511.640000000013969838619232177734375,"totalInterest":420085.2899999999790452420711517333984375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2624.07000000000016370904631912708282470703125},{"start":300,"end":300,"rate":7.125,"monthlyPI":-2622.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2607.36000000000012732925824820995330810546875,"totalInterest":15.480000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2622.84000000000014551915228366851806640625}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"180":[{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"240":[{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.625,"closingCosts":0,"adjustedPoints":0,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2551.34999999999990905052982270717620849609375,"miPayment":0,"points":0,"amount":0,"totalPrincipal":367119,"totalInterest":245206.75,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":0,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2551.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.625,"monthlyPI":-2551.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364577.8099999999976716935634613037109375,"totalInterest":245194.83999999999650754034519195556640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2551.34999999999990905052982270717620849609375},{"start":240,"end":240,"rate":5.625,"monthlyPI":-2553.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2541.19000000000005456968210637569427490234375,"totalInterest":11.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2553.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0,"amount":0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":5.875,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2603.75,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":257780.8200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2603.75,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.875,"monthlyPI":-2603.75,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364528.109999999986030161380767822265625,"totalInterest":257768.140000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2603.75},{"start":240,"end":240,"rate":5.875,"monthlyPI":-2603.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2590.88999999999987267074175179004669189453125,"totalInterest":12.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2603.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2628.0399999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":263609.099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2628.0399999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2628.0399999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364505.51000000000931322574615478515625,"totalInterest":263596.0499999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2628.0399999999999636202119290828704833984375},{"start":240,"end":240,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2626.5399999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2613.489999999999781721271574497222900390625,"totalInterest":13.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2626.5399999999999636202119290828704833984375}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":6,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2630.15000000000009094947017729282379150390625,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":264119.099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2630.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6,"monthlyPI":-2630.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364499.849999999976716935634613037109375,"totalInterest":264106,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2630.15000000000009094947017729282379150390625},{"start":240,"end":240,"rate":6,"monthlyPI":-2632.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2619.15000000000009094947017729282379150390625,"totalInterest":13.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2632.25}],"qualifyingRatePercent":6,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":6.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2656.6999999999998181010596454143524169921875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":270487.71999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2656.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.125,"monthlyPI":-2656.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364477.0599999999976716935634613037109375,"totalInterest":270474.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2656.6999999999998181010596454143524169921875},{"start":240,"end":240,"rate":6.125,"monthlyPI":-2655.420000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2641.94000000000005456968210637569427490234375,"totalInterest":13.480000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2655.420000000000072759576141834259033203125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2683.3800000000001091393642127513885498046875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":276890.1699999999837018549442291259765625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2683.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.25,"monthlyPI":-2683.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364451.5399999999790452420711517333984375,"totalInterest":276876.28000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2683.3800000000001091393642127513885498046875},{"start":240,"end":240,"rate":6.25,"monthlyPI":-2681.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2667.4600000000000363797880709171295166015625,"totalInterest":13.8900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2681.34999999999990905052982270717620849609375}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fixed","term":240,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2710.19000000000005456968210637569427490234375,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":283327.21999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 20 Yr Fixed","productName":"20 Yr Fixed","monthlyTotal":2710.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.375,"monthlyPI":-2710.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364422.5200000000186264514923095703125,"totalInterest":283312.890000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2710.19000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.375,"monthlyPI":-2710.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2696.48000000000001818989403545856475830078125,"totalInterest":14.3300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2710.80999999999994543031789362430572509765625}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"20 Yr Fixed","term":240,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":2737.13999999999987267074175179004669189453125,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":289794.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Conforming 20 Yr Fixed","productName":"20 Yr Fixed","monthlyTotal":2737.13999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.5,"monthlyPI":-2737.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364396.21999999997206032276153564453125,"totalInterest":289780.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2737.13999999999987267074175179004669189453125},{"start":240,"end":240,"rate":6.5,"monthlyPI":-2737.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2722.78000000000020008883439004421234130859375,"totalInterest":14.75,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2737.53000000000020008883439004421234130859375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"20 Year Fixed Conforming FHLMC LP","term":240,"rate":6.625,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2764.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":296295.8400000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Year Fixed Conforming FHLMC LP","productName":"20 Year Fixed Conforming FHLMC LP","monthlyTotal":2764.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.625,"monthlyPI":-2764.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364367.9299999999930150806903839111328125,"totalInterest":296280.650000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2764.21999999999979991116560995578765869140625},{"start":240,"end":240,"rate":6.625,"monthlyPI":-2766.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2751.07000000000016370904631912708282470703125,"totalInterest":15.1899999999999995026200849679298698902130126953125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2766.260000000000218278728425502777099609375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Year Fixed Conforming FHLMC LP","term":240,"rate":6.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2791.44000000000005456968210637569427490234375,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":302826.9400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"20 Year Fixed Conforming FHLMC LP","productName":"20 Year Fixed Conforming FHLMC LP","monthlyTotal":2791.44000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.75,"monthlyPI":-2791.44000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364342.8400000000256113708019256591796875,"totalInterest":302811.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2791.44000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.75,"monthlyPI":-2791.78000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2776.15999999999985448084771633148193359375,"totalInterest":15.6199999999999992184029906638897955417633056640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2791.78000000000020008883439004421234130859375}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Year Fixed Conforming  FNMA DU","term":240,"rate":6.875,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2818.7899999999999636202119290828704833984375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":309390.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Year Fixed Conforming  FNMA DU","productName":"20 Year Fixed Conforming  FNMA DU","monthlyTotal":2818.7899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.875,"monthlyPI":-2818.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364316.4799999999813735485076904296875,"totalInterest":309374.3300000000162981450557708740234375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2818.7899999999999636202119290828704833984375},{"start":240,"end":240,"rate":6.875,"monthlyPI":-2818.579999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2802.51999999999998181010596454143524169921875,"totalInterest":16.059999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2818.579999999999927240423858165740966796875}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"360":[{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30yr Fixed - 350k < Bal <= 375k","term":360,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2142.40999999999985448084771633148193359375,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":404145.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.75,"fico":742,"apr":5.7614999999999998436805981327779591083526611328125,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 30yr Fixed - 350k < Bal <= 375k","productName":"30yr Fixed - 350k < Bal <= 375k","monthlyTotal":2142.40999999999985448084771633148193359375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.75,"monthlyPI":-2142.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364989.53000000002793967723846435546875,"totalInterest":404135.6599999999743886291980743408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2142.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":5.75,"monthlyPI":-2139.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2129.46999999999979991116560995578765869140625,"totalInterest":10.199999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2139.670000000000072759576141834259033203125}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2198.6999999999998181010596454143524169921875,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":424417.0399999999790452420711517333984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2198.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2198.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364927.2000000000116415321826934814453125,"totalInterest":424406.099999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2198.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2202.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2191.8000000000001818989403545856475830078125,"totalInterest":10.9399999999999995026200849679298698902130126953125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2202.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2201.05999999999994543031789362430572509765625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":425266.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2201.05999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6,"monthlyPI":-2201.05999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364925.130000000004656612873077392578125,"totalInterest":425255.4099999999743886291980743408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2201.05999999999994543031789362430572509765625},{"start":360,"end":360,"rate":6,"monthlyPI":-2204.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2193.8699999999998908606357872486114501953125,"totalInterest":10.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2204.84000000000014551915228366851806640625}],"qualifyingRatePercent":6,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2230.65000000000009094947017729282379150390625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":435918.96999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2230.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.125,"monthlyPI":-2230.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364895.7299999999813735485076904296875,"totalInterest":435907.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2230.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":6.125,"monthlyPI":-2234.6199999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2223.26999999999998181010596454143524169921875,"totalInterest":11.3499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2234.6199999999998908606357872486114501953125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2260.40999999999985448084771633148193359375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":446633.119999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2260.40999999999985448084771633148193359375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.25,"monthlyPI":-2260.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364865.8099999999976716935634613037109375,"totalInterest":446621.380000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2260.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":6.25,"monthlyPI":-2264.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2253.19000000000005456968210637569427490234375,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2264.92999999999983629095368087291717529296875}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Yr Fixed","term":360,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":2290.34000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":457408.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 30 Yr Fixed","productName":"30 Yr Fixed","monthlyTotal":2290.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.375,"monthlyPI":-2290.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364835.6799999999930150806903839111328125,"totalInterest":457396.380000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2290.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":6.375,"monthlyPI":-2295.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2283.32000000000016370904631912708282470703125,"totalInterest":12.1300000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2295.4499999999998181010596454143524169921875}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"30 Year Fixed Conforming FHLMC LP","term":360,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2320.44000000000005456968210637569427490234375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":468241.53000000002793967723846435546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed Conforming FHLMC LP","productName":"30 Year Fixed Conforming FHLMC LP","monthlyTotal":2320.44000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.5,"monthlyPI":-2320.44000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364808.9400000000023283064365386962890625,"totalInterest":468229.0200000000186264514923095703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2320.44000000000005456968210637569427490234375},{"start":360,"end":360,"rate":6.5,"monthlyPI":-2322.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2310.05999999999994543031789362430572509765625,"totalInterest":12.5099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2322.57000000000016370904631912708282470703125}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":6.625,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2350.6999999999998181010596454143524169921875,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":479136.7100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2350.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.625,"monthlyPI":-2350.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364777.5200000000186264514923095703125,"totalInterest":479123.78000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2350.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":6.625,"monthlyPI":-2354.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2341.48000000000001818989403545856475830078125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2354.40999999999985448084771633148193359375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Yr Fixed","term":360,"rate":6.75,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2381.1300000000001091393642127513885498046875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":490084.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 30 Yr Fixed","productName":"30 Yr Fixed","monthlyTotal":2381.1300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.75,"monthlyPI":-2381.1300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364754.599999999976716935634613037109375,"totalInterest":490071.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2381.1300000000001091393642127513885498046875},{"start":360,"end":360,"rate":6.75,"monthlyPI":-2377.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2364.40000000000009094947017729282379150390625,"totalInterest":13.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2377.6999999999998181010596454143524169921875}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":6.875,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2411.7100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":501097.3099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2411.7100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.875,"monthlyPI":-2411.7100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364720.3200000000069849193096160888671875,"totalInterest":501083.5700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2411.7100000000000363797880709171295166015625},{"start":360,"end":360,"rate":6.875,"monthlyPI":-2412.420000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2398.67999999999983629095368087291717529296875,"totalInterest":13.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2412.420000000000072759576141834259033203125}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2442.4499999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":512165.2100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2442.4499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":7,"monthlyPI":-2442.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364688.5200000000186264514923095703125,"totalInterest":512151.03000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2442.4499999999998181010596454143524169921875},{"start":360,"end":360,"rate":7,"monthlyPI":-2444.65999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2430.48000000000001818989403545856475830078125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2444.65999999999985448084771633148193359375}],"qualifyingRatePercent":7,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":7.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2473.34999999999990905052982270717620849609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":523285.4299999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2473.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":7.125,"monthlyPI":-2473.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364661.8099999999976716935634613037109375,"totalInterest":523270.8400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2473.34999999999990905052982270717620849609375},{"start":360,"end":360,"rate":7.125,"monthlyPI":-2471.78000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2457.19000000000005456968210637569427490234375,"totalInterest":14.589999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2471.78000000000020008883439004421234130859375}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}],"120":[{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fannie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Fannie Fixed","productName":"10 Yr Fannie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fannie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Fannie Fixed","productName":"10 Yr Fannie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}}  
[2026-02-05 07:07:44] local.INFO: Sorted rates for term 300: [{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25yr Fixed - 350k < Bal <= 375k","term":300,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2309.57000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":325751.400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.75,"fico":742,"apr":5.7629999999999999005240169935859739780426025390625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 25yr Fixed - 350k < Bal <= 375k","productName":"25yr Fixed - 350k < Bal <= 375k","monthlyTotal":2309.57000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.75,"monthlyPI":-2309.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364821.0399999999790452420711517333984375,"totalInterest":325740.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2309.57000000000016370904631912708282470703125},{"start":300,"end":300,"rate":5.75,"monthlyPI":-2308.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2297.9600000000000363797880709171295166015625,"totalInterest":11.0099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2308.96999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2363.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":341813.7100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2363.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2363.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364767.9199999999837018549442291259765625,"totalInterest":341801.96999999997206032276153564453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2363.11000000000012732925824820995330810546875},{"start":300,"end":300,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2362.82000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2351.079999999999927240423858165740966796875,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2362.82000000000016370904631912708282470703125}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Freddie Fixed","term":300,"rate":6,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-0.1499999999999999944488848768742172978818416595458984375,"monthlyPayment":2365.34999999999990905052982270717620849609375,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":342487.96999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"25 Yr Freddie Fixed","productName":"25 Yr Freddie Fixed","monthlyTotal":2365.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6,"monthlyPI":-2365.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364763.4600000000209547579288482666015625,"totalInterest":342476.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2365.34999999999990905052982270717620849609375},{"start":300,"end":300,"rate":6,"monthlyPI":-2367.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2355.5399999999999636202119290828704833984375,"totalInterest":11.7799999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2367.32000000000016370904631912708282470703125}],"qualifyingRatePercent":6,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2393.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":350927.73999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2393.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.125,"monthlyPI":-2393.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364734.9500000000116415321826934814453125,"totalInterest":350915.5700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2393.48000000000001818989403545856475830078125},{"start":300,"end":300,"rate":6.125,"monthlyPI":-2396.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2384.0500000000001818989403545856475830078125,"totalInterest":12.1699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2396.21999999999979991116560995578765869140625}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Freddie Fixed","term":300,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.4779999999999999804600747665972448885440826416015625,"monthlyPayment":2421.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":359413.109999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"25 Yr Freddie Fixed","productName":"25 Yr Freddie Fixed","monthlyTotal":2421.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.25,"monthlyPI":-2421.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364708.6699999999837018549442291259765625,"totalInterest":359400.5599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2421.76999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.25,"monthlyPI":-2422.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2410.329999999999927240423858165740966796875,"totalInterest":12.550000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2422.8800000000001091393642127513885498046875}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Fixed","term":300,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2450.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":367943.5800000000162981450557708740234375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Conforming 25 Yr Fixed","productName":"25 Yr Fixed","monthlyTotal":2450.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.375,"monthlyPI":-2450.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364685.130000000004656612873077392578125,"totalInterest":367930.650000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2450.21999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.375,"monthlyPI":-2446.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2433.8699999999998908606357872486114501953125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2446.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":0,"monthlyPayment":2476.51999999999998181010596454143524169921875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":375837.2100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2476.51999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.51999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364655.5900000000256113708019256591796875,"totalInterest":375823.890000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2476.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-2476.73000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2463.40999999999985448084771633148193359375,"totalInterest":13.32000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2476.73000000000001818989403545856475830078125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Year Fixed Conforming FHLMC LP","term":300,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2478.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":376526.9500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"25 Year Fixed Conforming FHLMC LP","productName":"25 Year Fixed Conforming FHLMC LP","monthlyTotal":2478.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.5,"monthlyPI":-2478.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364650.609999999986030161380767822265625,"totalInterest":376513.5800000000162981450557708740234375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2478.80999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.5,"monthlyPI":-2481.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2468.38999999999987267074175179004669189453125,"totalInterest":13.3699999999999992184029906638897955417633056640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2481.760000000000218278728425502777099609375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.625,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":0,"monthlyPayment":2507.55999999999994543031789362430572509765625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":385152.46999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2507.55999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.625,"monthlyPI":-2507.55999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364621.76000000000931322574615478515625,"totalInterest":385138.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2507.55999999999994543031789362430572509765625},{"start":300,"end":300,"rate":6.625,"monthlyPI":-2511.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2497.239999999999781721271574497222900390625,"totalInterest":13.78999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2511.03000000000020008883439004421234130859375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 Yr Fixed","term":300,"rate":6.75,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2536.46999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":393820.03000000002793967723846435546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 25 Yr Fixed","productName":"25 Yr Fixed","monthlyTotal":2536.46999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.75,"monthlyPI":-2536.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364598.6799999999930150806903839111328125,"totalInterest":393805.849999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2536.46999999999979991116560995578765869140625},{"start":300,"end":300,"rate":6.75,"monthlyPI":-2534.5,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2520.32000000000016370904631912708282470703125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2534.5}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0,"monthlyPayment":2565.51999999999998181010596454143524169921875,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":402537.0700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2565.51999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.875,"monthlyPI":-2565.51999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364568.0200000000186264514923095703125,"totalInterest":402522.4600000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2565.51999999999998181010596454143524169921875},{"start":300,"end":300,"rate":6.875,"monthlyPI":-2565.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2550.98000000000001818989403545856475830078125,"totalInterest":14.6099999999999994315658113919198513031005859375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2565.59000000000014551915228366851806640625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":6.9900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0,"monthlyPayment":2592.3800000000001091393642127513885498046875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":410594.21999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":6.9900000000000002131628207280300557613372802734375,"fico":742,"apr":6.9900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2592.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2592.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364542.4099999999743886291980743408203125,"totalInterest":410579.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2592.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":6.9900000000000002131628207280300557613372802734375,"monthlyPI":-2591.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2576.59000000000014551915228366851806640625,"totalInterest":15.0099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2591.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":7,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0,"monthlyPayment":2594.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":411297.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2594.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":7,"monthlyPI":-2594.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364538.78000000002793967723846435546875,"totalInterest":411282.5,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2594.71999999999979991116560995578765869140625},{"start":300,"end":300,"rate":7,"monthlyPI":-2595.26999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2580.21999999999979991116560995578765869140625,"totalInterest":15.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2595.26999999999998181010596454143524169921875}],"qualifyingRatePercent":7,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0,"monthlyPayment":2624.07000000000016370904631912708282470703125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":420100.7700000000186264514923095703125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2624.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":7.125,"monthlyPI":-2624.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364511.640000000013969838619232177734375,"totalInterest":420085.2899999999790452420711517333984375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2624.07000000000016370904631912708282470703125},{"start":300,"end":300,"rate":7.125,"monthlyPI":-2622.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2607.36000000000012732925824820995330810546875,"totalInterest":15.480000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2622.84000000000014551915228366851806640625}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.4900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Initially selected rate for term 300: {"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"25yr Fixed - 350k < Bal <= 375k","term":300,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2309.57000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":325751.400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.75,"fico":742,"apr":5.7629999999999999005240169935859739780426025390625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 25yr Fixed - 350k < Bal <= 375k","productName":"25yr Fixed - 350k < Bal <= 375k","monthlyTotal":2309.57000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.75,"monthlyPI":-2309.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364821.0399999999790452420711517333984375,"totalInterest":325740.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2309.57000000000016370904631912708282470703125},{"start":300,"end":300,"rate":5.75,"monthlyPI":-2308.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2297.9600000000000363797880709171295166015625,"totalInterest":11.0099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2308.96999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Selected rate for term 300: {"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Final selected rates for term 300: [{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Sorted rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fannie Fixed","term":180,"rate":5.375,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2975.3699999999998908606357872486114501953125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":168448.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Yr Fannie Fixed","productName":"15 Yr Fannie Fixed","monthlyTotal":2975.3699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.375,"monthlyPI":-2975.3699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364156.109999999986030161380767822265625,"totalInterest":168435.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2975.3699999999998908606357872486114501953125},{"start":180,"end":180,"rate":5.375,"monthlyPI":-2976.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2962.88999999999987267074175179004669189453125,"totalInterest":13.269999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2976.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2997.71999999999979991116560995578765869140625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172470.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2997.71999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.71999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364134.6699999999837018549442291259765625,"totalInterest":172457.20999999999185092747211456298828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.71999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-2997.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2984.329999999999927240423858165740966796875,"totalInterest":13.6500000000000003552713678800500929355621337890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2997.98000000000001818989403545856475830078125}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2999.670000000000072759576141834259033203125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":172821.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2999.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.5,"monthlyPI":-2999.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364133.390000000013969838619232177734375,"totalInterest":172807.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":5.5,"monthlyPI":-2999.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2985.61000000000012732925824820995330810546875,"totalInterest":13.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2999.2899999999999636202119290828704833984375}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3024.079999999999927240423858165740966796875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":177214.20999999999185092747211456298828125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3024.079999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.625,"monthlyPI":-3024.079999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364110.2100000000209547579288482666015625,"totalInterest":177200.109999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3024.079999999999927240423858165740966796875},{"start":180,"end":180,"rate":5.625,"monthlyPI":-3022.88999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3008.7899999999999636202119290828704833984375,"totalInterest":14.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3022.88999999999987267074175179004669189453125}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3048.59000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":181628.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":3048.59000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.75,"monthlyPI":-3048.59000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364084.0700000000069849193096160888671875,"totalInterest":181613.54000000000814907252788543701171875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3048.59000000000014551915228366851806640625},{"start":180,"end":180,"rate":5.75,"monthlyPI":-3049.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3034.92999999999983629095368087291717529296875,"totalInterest":14.53999999999999914734871708787977695465087890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3049.46999999999979991116560995578765869140625}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15yr Fixed - Bal > 225k","term":180,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.97499999999999997779553950749686919152736663818359375,"monthlyPayment":3073.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":186060.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA 15yr Fixed - Bal > 225k","productName":"15yr Fixed - Bal > 225k","monthlyTotal":3073.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.875,"monthlyPI":-3073.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364060.4400000000023283064365386962890625,"totalInterest":186045.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.21999999999979991116560995578765869140625},{"start":180,"end":180,"rate":5.875,"monthlyPI":-3073.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3058.55999999999994543031789362430572509765625,"totalInterest":14.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3073.53000000000020008883439004421234130859375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.25,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3097.9600000000000363797880709171295166015625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":190513.4400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3097.9600000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6,"monthlyPI":-3097.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364036.8099999999976716935634613037109375,"totalInterest":190498.02999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.9600000000000363797880709171295166015625},{"start":180,"end":180,"rate":6,"monthlyPI":-3097.59999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3082.19000000000005456968210637569427490234375,"totalInterest":15.410000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3097.59999999999990905052982270717620849609375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.125,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":3122.80999999999994543031789362430572509765625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":194985.54000000000814907252788543701171875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3122.80999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.125,"monthlyPI":-3122.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364013.2999999999883584678173065185546875,"totalInterest":194969.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3122.80999999999994543031789362430572509765625},{"start":180,"end":180,"rate":6.125,"monthlyPI":-3121.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3105.6999999999998181010596454143524169921875,"totalInterest":15.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3121.5500000000001818989403545856475830078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Yr Fixed","term":180,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":3147.760000000000218278728425502777099609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":199478.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 15 Yr Fixed","productName":"15 Yr Fixed","monthlyTotal":3147.760000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.25,"monthlyPI":-3147.760000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363986.8400000000256113708019256591796875,"totalInterest":199462.2000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3147.760000000000218278728425502777099609375},{"start":180,"end":180,"rate":6.25,"monthlyPI":-3148.46999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3132.15999999999985448084771633148193359375,"totalInterest":16.309999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3148.46999999999979991116560995578765869140625}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"15 Year Fixed Conforming FHLMC LP","term":180,"rate":6.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.181999999999999939603867460391484200954437255859375,"monthlyPayment":3172.829999999999927240423858165740966796875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":203989.619999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year Fixed Conforming FHLMC LP","productName":"15 Year Fixed Conforming FHLMC LP","monthlyTotal":3172.829999999999927240423858165740966796875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.375,"monthlyPI":-3172.829999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363963.7100000000209547579288482666015625,"totalInterest":203972.859999999986030161380767822265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.829999999999927240423858165740966796875},{"start":180,"end":180,"rate":6.375,"monthlyPI":-3172.0500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3155.2899999999999636202119290828704833984375,"totalInterest":16.760000000000001563194018672220408916473388671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3172.0500000000001818989403545856475830078125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.5,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3198,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":208521.16000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3198,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.5,"monthlyPI":-3198,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363938.0700000000069849193096160888671875,"totalInterest":208503.9299999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198},{"start":180,"end":180,"rate":6.5,"monthlyPI":-3198.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3180.92999999999983629095368087291717529296875,"totalInterest":17.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3198.15999999999985448084771633148193359375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.625,"closingCosts":-2294.489999999999781721271574497222900390625,"adjustedPoints":-0.625,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3223.28000000000020008883439004421234130859375,"miPayment":0,"points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":213072.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-2294.489999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3223.28000000000020008883439004421234130859375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.625,"monthlyPI":-3223.28000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363912.7299999999813735485076904296875,"totalInterest":213054.390000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.28000000000020008883439004421234130859375},{"start":180,"end":180,"rate":6.625,"monthlyPI":-3223.96999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3206.26999999999998181010596454143524169921875,"totalInterest":17.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3223.96999999999979991116560995578765869140625}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.625 (Points) x $367,119.00 (Loan Amount)","points":-0.625,"amount":-2294.489999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.75,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3248.670000000000072759576141834259033203125,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":217641.82999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3248.670000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.75,"monthlyPI":-3248.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363888.2700000000186264514923095703125,"totalInterest":217623.66000000000349245965480804443359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.670000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.75,"monthlyPI":-3248.90000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3230.73000000000001818989403545856475830078125,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3248.90000000000009094947017729282379150390625}],"qualifyingRatePercent":6.75,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":6.875,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3274.170000000000072759576141834259033203125,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":222230.67000000001280568540096282958984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3274.170000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":6.875,"monthlyPI":-3274.170000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363864.4099999999743886291980743408203125,"totalInterest":222212.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3274.170000000000072759576141834259033203125},{"start":180,"end":180,"rate":6.875,"monthlyPI":-3273.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3254.59000000000014551915228366851806640625,"totalInterest":18.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3273.239999999999781721271574497222900390625}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3299.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":226839.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3299.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7,"monthlyPI":-3299.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363838.5900000000256113708019256591796875,"totalInterest":226820.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.76999999999998181010596454143524169921875},{"start":180,"end":180,"rate":7,"monthlyPI":-3299.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3280.40999999999985448084771633148193359375,"totalInterest":19.1400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3299.5500000000001818989403545856475830078125}],"qualifyingRatePercent":7,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.125,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3325.48000000000001818989403545856475830078125,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":231466.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3325.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.125,"monthlyPI":-3325.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363813.7000000000116415321826934814453125,"totalInterest":231447.22000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3325.48000000000001818989403545856475830078125},{"start":180,"end":180,"rate":7.125,"monthlyPI":-3324.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3305.3000000000001818989403545856475830078125,"totalInterest":19.629999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3324.92999999999983629095368087291717529296875}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.25,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3351.2899999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":236114.2000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.25,"fico":742,"apr":7.25,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3351.2899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.25,"monthlyPI":-3351.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363786.8400000000256113708019256591796875,"totalInterest":236094.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3351.2899999999999636202119290828704833984375},{"start":180,"end":180,"rate":7.25,"monthlyPI":-3352.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3332.15999999999985448084771633148193359375,"totalInterest":20.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3352.2899999999999636202119290828704833984375}],"qualifyingRatePercent":7.25,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 Year FixedFNMA HomeStyle","term":180,"rate":7.375,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.068000000000000004884981308350688777863979339599609375,"monthlyPayment":3377.2100000000000363797880709171295166015625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":240779.91000000000349245965480804443359375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":7.375,"fico":742,"apr":7.375,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"15 Year FixedFNMA HomeStyle","productName":"15 Year FixedFNMA HomeStyle","monthlyTotal":3377.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":7.375,"monthlyPI":-3377.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363761.3200000000069849193096160888671875,"totalInterest":240759.26999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3377.2100000000000363797880709171295166015625},{"start":180,"end":180,"rate":7.375,"monthlyPI":-3378.32000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3357.67999999999983629095368087291717529296875,"totalInterest":20.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3378.32000000000016370904631912708282470703125}],"qualifyingRatePercent":7.375,"startedAdjustedRate":6.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Initially selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5,"closingCosts":917.799999999999954525264911353588104248046875,"adjustedPoints":0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2903.15000000000009094947017729282379150390625,"miPayment":0,"points":0.25,"amount":917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":155448.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5,"fico":742,"apr":5.038000000000000255795384873636066913604736328125,"finalClosingCost":917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FNMA Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2903.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5,"monthlyPI":-2903.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364226.9099999999743886291980743408203125,"totalInterest":155436.9400000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2903.15000000000009094947017729282379150390625},{"start":180,"end":180,"rate":5,"monthlyPI":-2904.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2892.09000000000014551915228366851806640625,"totalInterest":12.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2904.13999999999987267074175179004669189453125}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.250 (Points) x $367,119.00 (Loan Amount)","points":0.25,"amount":917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2927.11000000000012732925824820995330810546875,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":159762.08999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2927.11000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.125,"monthlyPI":-2927.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364203.0499999999883584678173065185546875,"totalInterest":159749.640000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2927.11000000000012732925824820995330810546875},{"start":180,"end":180,"rate":5.125,"monthlyPI":-2928.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2915.9499999999998181010596454143524169921875,"totalInterest":12.449999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2928.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Selected rate for term 180: {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Final selected rates for term 180: [{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Sorted rates for term 240: [{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.625,"closingCosts":0,"adjustedPoints":0,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2551.34999999999990905052982270717620849609375,"miPayment":0,"points":0,"amount":0,"totalPrincipal":367119,"totalInterest":245206.75,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":0,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2551.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.625,"monthlyPI":-2551.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364577.8099999999976716935634613037109375,"totalInterest":245194.83999999999650754034519195556640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2551.34999999999990905052982270717620849609375},{"start":240,"end":240,"rate":5.625,"monthlyPI":-2553.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2541.19000000000005456968210637569427490234375,"totalInterest":11.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2553.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0,"amount":0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":5.875,"closingCosts":-2753.38999999999987267074175179004669189453125,"adjustedPoints":-0.75,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2603.75,"miPayment":0,"points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"totalPrincipal":367119,"totalInterest":257780.8200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-2753.38999999999987267074175179004669189453125,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2603.75,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.875,"monthlyPI":-2603.75,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364528.109999999986030161380767822265625,"totalInterest":257768.140000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2603.75},{"start":240,"end":240,"rate":5.875,"monthlyPI":-2603.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2590.88999999999987267074175179004669189453125,"totalInterest":12.67999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2603.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.750 (Points) x $367,119.00 (Loan Amount)","points":-0.75,"amount":-2753.38999999999987267074175179004669189453125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2628.0399999999999636202119290828704833984375,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":263609.099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2628.0399999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2628.0399999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364505.51000000000931322574615478515625,"totalInterest":263596.0499999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2628.0399999999999636202119290828704833984375},{"start":240,"end":240,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2626.5399999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2613.489999999999781721271574497222900390625,"totalInterest":13.050000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2626.5399999999999636202119290828704833984375}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":6,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2630.15000000000009094947017729282379150390625,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":264119.099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2630.15000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6,"monthlyPI":-2630.15000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364499.849999999976716935634613037109375,"totalInterest":264106,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2630.15000000000009094947017729282379150390625},{"start":240,"end":240,"rate":6,"monthlyPI":-2632.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2619.15000000000009094947017729282379150390625,"totalInterest":13.0999999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2632.25}],"qualifyingRatePercent":6,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":6.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2656.6999999999998181010596454143524169921875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":270487.71999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2656.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.125,"monthlyPI":-2656.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364477.0599999999976716935634613037109375,"totalInterest":270474.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2656.6999999999998181010596454143524169921875},{"start":240,"end":240,"rate":6.125,"monthlyPI":-2655.420000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2641.94000000000005456968210637569427490234375,"totalInterest":13.480000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2655.420000000000072759576141834259033203125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fannie Fixed","term":240,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":2683.3800000000001091393642127513885498046875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":276890.1699999999837018549442291259765625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Yr Fannie Fixed","productName":"20 Yr Fannie Fixed","monthlyTotal":2683.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.25,"monthlyPI":-2683.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364451.5399999999790452420711517333984375,"totalInterest":276876.28000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2683.3800000000001091393642127513885498046875},{"start":240,"end":240,"rate":6.25,"monthlyPI":-2681.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2667.4600000000000363797880709171295166015625,"totalInterest":13.8900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2681.34999999999990905052982270717620849609375}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Yr Fixed","term":240,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2710.19000000000005456968210637569427490234375,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":283327.21999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 20 Yr Fixed","productName":"20 Yr Fixed","monthlyTotal":2710.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.375,"monthlyPI":-2710.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364422.5200000000186264514923095703125,"totalInterest":283312.890000000013969838619232177734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2710.19000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.375,"monthlyPI":-2710.80999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2696.48000000000001818989403545856475830078125,"totalInterest":14.3300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2710.80999999999994543031789362430572509765625}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"20 Yr Fixed","term":240,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":2737.13999999999987267074175179004669189453125,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":289794.98999999999068677425384521484375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Conforming 20 Yr Fixed","productName":"20 Yr Fixed","monthlyTotal":2737.13999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.5,"monthlyPI":-2737.13999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364396.21999999997206032276153564453125,"totalInterest":289780.23999999999068677425384521484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2737.13999999999987267074175179004669189453125},{"start":240,"end":240,"rate":6.5,"monthlyPI":-2737.53000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2722.78000000000020008883439004421234130859375,"totalInterest":14.75,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2737.53000000000020008883439004421234130859375}],"qualifyingRatePercent":6.5,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"20 Year Fixed Conforming FHLMC LP","term":240,"rate":6.625,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2764.21999999999979991116560995578765869140625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":296295.8400000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Year Fixed Conforming FHLMC LP","productName":"20 Year Fixed Conforming FHLMC LP","monthlyTotal":2764.21999999999979991116560995578765869140625,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.625,"monthlyPI":-2764.21999999999979991116560995578765869140625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364367.9299999999930150806903839111328125,"totalInterest":296280.650000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2764.21999999999979991116560995578765869140625},{"start":240,"end":240,"rate":6.625,"monthlyPI":-2766.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2751.07000000000016370904631912708282470703125,"totalInterest":15.1899999999999995026200849679298698902130126953125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2766.260000000000218278728425502777099609375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Year Fixed Conforming FHLMC LP","term":240,"rate":6.75,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2791.44000000000005456968210637569427490234375,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":302826.9400000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"20 Year Fixed Conforming FHLMC LP","productName":"20 Year Fixed Conforming FHLMC LP","monthlyTotal":2791.44000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.75,"monthlyPI":-2791.44000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364342.8400000000256113708019256591796875,"totalInterest":302811.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2791.44000000000005456968210637569427490234375},{"start":240,"end":240,"rate":6.75,"monthlyPI":-2791.78000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2776.15999999999985448084771633148193359375,"totalInterest":15.6199999999999992184029906638897955417633056640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2791.78000000000020008883439004421234130859375}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 Year Fixed Conforming  FNMA DU","term":240,"rate":6.875,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2818.7899999999999636202119290828704833984375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":309390.390000000013969838619232177734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"20 Year Fixed Conforming  FNMA DU","productName":"20 Year Fixed Conforming  FNMA DU","monthlyTotal":2818.7899999999999636202119290828704833984375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":6.875,"monthlyPI":-2818.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364316.4799999999813735485076904296875,"totalInterest":309374.3300000000162981450557708740234375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2818.7899999999999636202119290828704833984375},{"start":240,"end":240,"rate":6.875,"monthlyPI":-2818.579999999999927240423858165740966796875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2802.51999999999998181010596454143524169921875,"totalInterest":16.059999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2818.579999999999927240423858165740966796875}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Initially selected rate for term 240: {"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.625,"closingCosts":0,"adjustedPoints":0,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2551.34999999999990905052982270717620849609375,"miPayment":0,"points":0,"amount":0,"totalPrincipal":367119,"totalInterest":245206.75,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":0,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2551.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.625,"monthlyPI":-2551.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364577.8099999999976716935634613037109375,"totalInterest":245194.83999999999650754034519195556640625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2551.34999999999990905052982270717620849609375},{"start":240,"end":240,"rate":5.625,"monthlyPI":-2553.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2541.19000000000005456968210637569427490234375,"totalInterest":11.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2553.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.000 (Points) x $367,119.00 (Loan Amount)","points":0,"amount":0,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.5  
[2026-02-05 07:07:44] local.INFO: Selected rate for term 240: {"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Final selected rates for term 240: [{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Sorted rates for term 360: [{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30yr Fixed - 350k < Bal <= 375k","term":360,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2142.40999999999985448084771633148193359375,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":404145.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.75,"fico":742,"apr":5.7614999999999998436805981327779591083526611328125,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 30yr Fixed - 350k < Bal <= 375k","productName":"30yr Fixed - 350k < Bal <= 375k","monthlyTotal":2142.40999999999985448084771633148193359375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.75,"monthlyPI":-2142.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364989.53000000002793967723846435546875,"totalInterest":404135.6599999999743886291980743408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2142.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":5.75,"monthlyPI":-2139.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2129.46999999999979991116560995578765869140625,"totalInterest":10.199999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2139.670000000000072759576141834259033203125}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2198.6999999999998181010596454143524169921875,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":424417.0399999999790452420711517333984375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2198.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2198.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364927.2000000000116415321826934814453125,"totalInterest":424406.099999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2198.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-2202.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2191.8000000000001818989403545856475830078125,"totalInterest":10.9399999999999995026200849679298698902130126953125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2202.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2201.05999999999994543031789362430572509765625,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":425266.380000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2201.05999999999994543031789362430572509765625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6,"monthlyPI":-2201.05999999999994543031789362430572509765625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364925.130000000004656612873077392578125,"totalInterest":425255.4099999999743886291980743408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2201.05999999999994543031789362430572509765625},{"start":360,"end":360,"rate":6,"monthlyPI":-2204.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2193.8699999999998908606357872486114501953125,"totalInterest":10.9700000000000006394884621840901672840118408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2204.84000000000014551915228366851806640625}],"qualifyingRatePercent":6,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2230.65000000000009094947017729282379150390625,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":435918.96999999997206032276153564453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2230.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.125,"monthlyPI":-2230.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364895.7299999999813735485076904296875,"totalInterest":435907.619999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2230.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":6.125,"monthlyPI":-2234.6199999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2223.26999999999998181010596454143524169921875,"totalInterest":11.3499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2234.6199999999998908606357872486114501953125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":6.25,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2260.40999999999985448084771633148193359375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":446633.119999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2260.40999999999985448084771633148193359375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.25,"monthlyPI":-2260.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364865.8099999999976716935634613037109375,"totalInterest":446621.380000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2260.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":6.25,"monthlyPI":-2264.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2253.19000000000005456968210637569427490234375,"totalInterest":11.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2264.92999999999983629095368087291717529296875}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Yr Fixed","term":360,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":2290.34000000000014551915228366851806640625,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":457408.51000000000931322574615478515625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 30 Yr Fixed","productName":"30 Yr Fixed","monthlyTotal":2290.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.375,"monthlyPI":-2290.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364835.6799999999930150806903839111328125,"totalInterest":457396.380000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2290.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":6.375,"monthlyPI":-2295.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2283.32000000000016370904631912708282470703125,"totalInterest":12.1300000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2295.4499999999998181010596454143524169921875}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"30 Year Fixed Conforming FHLMC LP","term":360,"rate":6.5,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-2.111000000000000209610107049229554831981658935546875,"monthlyPayment":2320.44000000000005456968210637569427490234375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":468241.53000000002793967723846435546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed Conforming FHLMC LP","productName":"30 Year Fixed Conforming FHLMC LP","monthlyTotal":2320.44000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.5,"monthlyPI":-2320.44000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364808.9400000000023283064365386962890625,"totalInterest":468229.0200000000186264514923095703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2320.44000000000005456968210637569427490234375},{"start":360,"end":360,"rate":6.5,"monthlyPI":-2322.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2310.05999999999994543031789362430572509765625,"totalInterest":12.5099999999999997868371792719699442386627197265625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2322.57000000000016370904631912708282470703125}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":6.625,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2350.6999999999998181010596454143524169921875,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":479136.7100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2350.6999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.625,"monthlyPI":-2350.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364777.5200000000186264514923095703125,"totalInterest":479123.78000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2350.6999999999998181010596454143524169921875},{"start":360,"end":360,"rate":6.625,"monthlyPI":-2354.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2341.48000000000001818989403545856475830078125,"totalInterest":12.92999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2354.40999999999985448084771633148193359375}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Yr Fixed","term":360,"rate":6.75,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":2381.1300000000001091393642127513885498046875,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":490084.369999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.75,"fico":742,"apr":6.75,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Conforming 30 Yr Fixed","productName":"30 Yr Fixed","monthlyTotal":2381.1300000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.75,"monthlyPI":-2381.1300000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364754.599999999976716935634613037109375,"totalInterest":490071.0700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2381.1300000000001091393642127513885498046875},{"start":360,"end":360,"rate":6.75,"monthlyPI":-2377.6999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2364.40000000000009094947017729282379150390625,"totalInterest":13.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2377.6999999999998181010596454143524169921875}],"qualifyingRatePercent":6.75,"startedAdjustedRate":5.9900000000000002131628207280300557613372802734375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":6.875,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2411.7100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":501097.3099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":6.875,"fico":742,"apr":6.875,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2411.7100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":6.875,"monthlyPI":-2411.7100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364720.3200000000069849193096160888671875,"totalInterest":501083.5700000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2411.7100000000000363797880709171295166015625},{"start":360,"end":360,"rate":6.875,"monthlyPI":-2412.420000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2398.67999999999983629095368087291717529296875,"totalInterest":13.7400000000000002131628207280300557613372802734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2412.420000000000072759576141834259033203125}],"qualifyingRatePercent":6.875,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":7,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2442.4499999999998181010596454143524169921875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":512165.2100000000209547579288482666015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":7,"fico":742,"apr":7,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2442.4499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":7,"monthlyPI":-2442.4499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364688.5200000000186264514923095703125,"totalInterest":512151.03000000002793967723846435546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2442.4499999999998181010596454143524169921875},{"start":360,"end":360,"rate":7,"monthlyPI":-2444.65999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2430.48000000000001818989403545856475830078125,"totalInterest":14.17999999999999971578290569595992565155029296875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2444.65999999999985448084771633148193359375}],"qualifyingRatePercent":7,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 Year Fixed FNMA HomeStyle","term":360,"rate":7.125,"closingCosts":-5506.7899999999999636202119290828704833984375,"adjustedPoints":-1.5,"adjustmentPoints":-0.8609999999999999875655021241982467472553253173828125,"monthlyPayment":2473.34999999999990905052982270717620849609375,"miPayment":0,"points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":523285.4299999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":7.125,"fico":742,"apr":7.125,"finalClosingCost":-5506.7899999999999636202119290828704833984375,"pmiType":"None","programName":"30 Year Fixed FNMA HomeStyle","productName":"30 Year Fixed FNMA HomeStyle","monthlyTotal":2473.34999999999990905052982270717620849609375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":7.125,"monthlyPI":-2473.34999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364661.8099999999976716935634613037109375,"totalInterest":523270.8400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2473.34999999999990905052982270717620849609375},{"start":360,"end":360,"rate":7.125,"monthlyPI":-2471.78000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2457.19000000000005456968210637569427490234375,"totalInterest":14.589999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2471.78000000000020008883439004421234130859375}],"qualifyingRatePercent":7.125,"startedAdjustedRate":6.5,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.500 (Points) x $367,119.00 (Loan Amount)","points":-1.5,"amount":-5506.7899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Initially selected rate for term 360: {"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"30yr Fixed - 350k < Bal <= 375k","term":360,"rate":5.75,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2142.40999999999985448084771633148193359375,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":404145.859999999986030161380767822265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.75,"fico":742,"apr":5.7614999999999998436805981327779591083526611328125,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FNMA 30yr Fixed - 350k < Bal <= 375k","productName":"30yr Fixed - 350k < Bal <= 375k","monthlyTotal":2142.40999999999985448084771633148193359375,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.75,"monthlyPI":-2142.40999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364989.53000000002793967723846435546875,"totalInterest":404135.6599999999743886291980743408203125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2142.40999999999985448084771633148193359375},{"start":360,"end":360,"rate":5.75,"monthlyPI":-2139.670000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2129.46999999999979991116560995578765869140625,"totalInterest":10.199999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2139.670000000000072759576141834259033203125}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 5.625  
[2026-02-05 07:07:44] local.INFO: Selected rate for term 360: {"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Final selected rates for term 360: [{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Sorted rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.375,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3961.510000000000218278728425502777099609375,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":108261.479999999995925463736057281494140625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.375,"fico":742,"apr":5.375,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3961.510000000000218278728425502777099609375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.375,"monthlyPI":-3961.510000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363175.869999999995343387126922607421875,"totalInterest":108243.8200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3961.510000000000218278728425502777099609375},{"start":120,"end":120,"rate":5.375,"monthlyPI":-3960.7899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3943.1300000000001091393642127513885498046875,"totalInterest":17.660000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3960.7899999999999636202119290828704833984375}],"qualifyingRatePercent":5.375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.4900000000000002131628207280300557613372802734375,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3982.38999999999987267074175179004669189453125,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110767.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.4900000000000002131628207280300557613372802734375,"fico":742,"apr":5.4900000000000002131628207280300557613372802734375,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3982.38999999999987267074175179004669189453125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3982.38999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363155.21999999997206032276153564453125,"totalInterest":110749.1900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3982.38999999999987267074175179004669189453125},{"start":120,"end":120,"rate":5.4900000000000002131628207280300557613372802734375,"monthlyPI":-3981.90999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3963.78000000000020008883439004421234130859375,"totalInterest":18.129999999999999005240169935859739780426025390625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3981.90999999999985448084771633148193359375}],"qualifyingRatePercent":5.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.5,"closingCosts":-3212.2899999999999636202119290828704833984375,"adjustedPoints":-0.875,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3984.2100000000000363797880709171295166015625,"miPayment":0,"points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"totalPrincipal":367119,"totalInterest":110985.5599999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.5,"fico":742,"apr":5.5,"finalClosingCost":-3212.2899999999999636202119290828704833984375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3984.2100000000000363797880709171295166015625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.5,"monthlyPI":-3984.2100000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363153.599999999976716935634613037109375,"totalInterest":110967.389999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3984.2100000000000363797880709171295166015625},{"start":120,"end":120,"rate":5.5,"monthlyPI":-3983.57000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3965.40000000000009094947017729282379150390625,"totalInterest":18.1700000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3983.57000000000016370904631912708282470703125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.875 (Points) x $367,119.00 (Loan Amount)","points":-0.875,"amount":-3212.2899999999999636202119290828704833984375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.625,"closingCosts":-4588.989999999999781721271574497222900390625,"adjustedPoints":-1.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4006.98000000000001818989403545856475830078125,"miPayment":0,"points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"totalPrincipal":367119,"totalInterest":113719.020000000004074536263942718505859375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.625,"fico":742,"apr":5.625,"finalClosingCost":-4588.989999999999781721271574497222900390625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4006.98000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.625,"monthlyPI":-4006.98000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363130.2999999999883584678173065185546875,"totalInterest":113700.3200000000069849193096160888671875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4006.98000000000001818989403545856475830078125},{"start":120,"end":120,"rate":5.625,"monthlyPI":-4007.40000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3988.6999999999998181010596454143524169921875,"totalInterest":18.699999999999999289457264239899814128875732421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4007.40000000000009094947017729282379150390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.250 (Points) x $367,119.00 (Loan Amount)","points":-1.25,"amount":-4588.989999999999781721271574497222900390625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.75,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4029.84000000000014551915228366851806640625,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":116461.22000000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4029.84000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.75,"monthlyPI":-4029.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363108.9500000000116415321826934814453125,"totalInterest":116442.009999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.84000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.75,"monthlyPI":-4029.260000000000218278728425502777099609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4010.0500000000001818989403545856475830078125,"totalInterest":19.21000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4029.260000000000218278728425502777099609375}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.875,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":4052.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":119212.860000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4052.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.875,"monthlyPI":-4052.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363086.51000000000931322574615478515625,"totalInterest":119193.119999999995343387126922607421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":5.875,"monthlyPI":-4052.23000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4032.489999999999781721271574497222900390625,"totalInterest":19.739999999999998436805981327779591083526611328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4052.23000000000001818989403545856475830078125}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fannie Fixed","term":120,"rate":5.9900000000000002131628207280300557613372802734375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4073.92999999999983629095368087291717529296875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121752.630000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.9900000000000002131628207280300557613372802734375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Fannie Fixed","productName":"10 Yr Fannie Fixed","monthlyTotal":4073.92999999999983629095368087291717529296875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.92999999999983629095368087291717529296875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363065.2700000000186264514923095703125,"totalInterest":121732.39999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.92999999999983629095368087291717529296875},{"start":120,"end":120,"rate":5.9900000000000002131628207280300557613372802734375,"monthlyPI":-4073.9600000000000363797880709171295166015625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4053.73000000000001818989403545856475830078125,"totalInterest":20.230000000000000426325641456060111522674560546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4073.9600000000000363797880709171295166015625}],"qualifyingRatePercent":5.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fannie Fixed","term":120,"rate":6,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.08000000000000000166533453693773481063544750213623046875,"monthlyPayment":4075.76999999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":121973.919999999998253770172595977783203125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6,"fico":742,"apr":6,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"10 Yr Fannie Fixed","productName":"10 Yr Fannie Fixed","monthlyTotal":4075.76999999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6,"monthlyPI":-4075.76999999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363062.98999999999068677425384521484375,"totalInterest":121953.639999999999417923390865325927734375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4075.76999999999998181010596454143524169921875},{"start":120,"end":120,"rate":6,"monthlyPI":-4076.2899999999999636202119290828704833984375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4056.010000000000218278728425502777099609375,"totalInterest":20.280000000000001136868377216160297393798828125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4076.2899999999999636202119290828704833984375}],"qualifyingRatePercent":6,"startedAdjustedRate":5.375,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.125,"closingCosts":-3671.19000000000005456968210637569427490234375,"adjustedPoints":-1,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4098.8599999999996725819073617458343505859375,"miPayment":0,"points":-1,"amount":-3671.19000000000005456968210637569427490234375,"totalPrincipal":367119,"totalInterest":124743.5700000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.125,"fico":742,"apr":6.125,"finalClosingCost":-3671.19000000000005456968210637569427490234375,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4098.8599999999996725819073617458343505859375,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.125,"monthlyPI":-4098.8599999999996725819073617458343505859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363041.5800000000162981450557708740234375,"totalInterest":124722.759999999994761310517787933349609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.8599999999996725819073617458343505859375},{"start":120,"end":120,"rate":6.125,"monthlyPI":-4098.22999999999956344254314899444580078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4077.420000000000072759576141834259033203125,"totalInterest":20.809999999999998721023075631819665431976318359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4098.22999999999956344254314899444580078125}],"qualifyingRatePercent":6.125,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.000 (Points) x $367,119.00 (Loan Amount)","points":-1,"amount":-3671.19000000000005456968210637569427490234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.25,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.464000000000000023536728122053318656980991363525390625,"monthlyPayment":4122.02000000000043655745685100555419921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":127522.6799999999930150806903839111328125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.25,"fico":742,"apr":6.25,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FHLMC Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4122.02000000000043655745685100555419921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.25,"monthlyPI":-4122.02000000000043655745685100555419921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363019.0499999999883584678173065185546875,"totalInterest":127501.330000000001746229827404022216796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4122.02000000000043655745685100555419921875},{"start":120,"end":120,"rate":6.25,"monthlyPI":-4121.3000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4099.9499999999998181010596454143524169921875,"totalInterest":21.35000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4121.3000000000001818989403545856475830078125}],"qualifyingRatePercent":6.25,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 Yr Fixed","term":120,"rate":6.375,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":0.5140000000000000124344978758017532527446746826171875,"monthlyPayment":4145.25,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":130311.1900000000023283064365386962890625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.375,"fico":742,"apr":6.375,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Conforming 10 Yr Fixed","productName":"10 Yr Fixed","monthlyTotal":4145.25,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.375,"monthlyPI":-4145.25,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362995.46999999997206032276153564453125,"totalInterest":130289.27999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.25},{"start":120,"end":120,"rate":6.375,"monthlyPI":-4145.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4123.5299999999997453414835035800933837890625,"totalInterest":21.910000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4145.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.375,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"tax":false,"insurance":false,"premiumRate":false,"discountedRate":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.4900000000000002131628207280300557613372802734375,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4166.6899999999995998223312199115753173828125,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":132884.5499999999883584678173065185546875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.4900000000000002131628207280300557613372802734375,"fico":742,"apr":6.4900000000000002131628207280300557613372802734375,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4166.6899999999995998223312199115753173828125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4166.6899999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362973.9799999999813735485076904296875,"totalInterest":132862.130000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4166.6899999999995998223312199115753173828125},{"start":120,"end":120,"rate":6.4900000000000002131628207280300557613372802734375,"monthlyPI":-4167.4399999999995998223312199115753173828125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4145.02000000000043655745685100555419921875,"totalInterest":22.4200000000000017053025658242404460906982421875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4167.4399999999995998223312199115753173828125}],"qualifyingRatePercent":6.4900000000000002131628207280300557613372802734375,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.5,"closingCosts":-4130.09000000000014551915228366851806640625,"adjustedPoints":-1.125,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4168.5600000000004001776687800884246826171875,"miPayment":0,"points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"totalPrincipal":367119,"totalInterest":133108.48000000001047737896442413330078125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.5,"fico":742,"apr":6.5,"finalClosingCost":-4130.09000000000014551915228366851806640625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4168.5600000000004001776687800884246826171875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.5,"monthlyPI":-4168.5600000000004001776687800884246826171875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362972.619999999995343387126922607421875,"totalInterest":133086.01999999998952262103557586669921875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.5600000000004001776687800884246826171875},{"start":120,"end":120,"rate":6.5,"monthlyPI":-4168.84000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4146.3800000000001091393642127513885498046875,"totalInterest":22.46000000000000085265128291212022304534912109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4168.84000000000014551915228366851806640625}],"qualifyingRatePercent":6.5,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.125 (Points) x $367,119.00 (Loan Amount)","points":-1.125,"amount":-4130.09000000000014551915228366851806640625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":6.625,"closingCosts":-5047.8900000000003274180926382541656494140625,"adjustedPoints":-1.375,"adjustmentPoints":-0.05000000000000000277555756156289135105907917022705078125,"monthlyPayment":4191.9499999999998181010596454143524169921875,"miPayment":0,"points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"totalPrincipal":367119,"totalInterest":135914.85000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":6.625,"fico":742,"apr":6.625,"finalClosingCost":-5047.8900000000003274180926382541656494140625,"pmiType":"None","programName":"FNMA Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":4191.9499999999998181010596454143524169921875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":6.625,"monthlyPI":-4191.9499999999998181010596454143524169921875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-362950.21999999997206032276153564453125,"totalInterest":135891.82999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.9499999999998181010596454143524169921875},{"start":120,"end":120,"rate":6.625,"monthlyPI":-4191.8000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-4168.7799999999997453414835035800933837890625,"totalInterest":23.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-4191.8000000000001818989403545856475830078125}],"qualifyingRatePercent":6.625,"startedAdjustedRate":6.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -1.375 (Points) x $367,119.00 (Loan Amount)","points":-1.375,"amount":-5047.8900000000003274180926382541656494140625,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: Initially selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3893.8699999999998908606357872486114501953125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":100144.869999999995343387126922607421875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5,"fico":742,"apr":5.02709999999999990194510246510617434978485107421875,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3893.8699999999998908606357872486114501953125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5,"monthlyPI":-3893.8699999999998908606357872486114501953125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363241.8099999999976716935634613037109375,"totalInterest":100128.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.8699999999998908606357872486114501953125},{"start":120,"end":120,"rate":5,"monthlyPI":-3893.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3877.19000000000005456968210637569427490234375,"totalInterest":16.14999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3893.34000000000014551915228366851806640625}],"qualifyingRatePercent":5,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.125,"closingCosts":-458.8999999999999772626324556767940521240234375,"adjustedPoints":-0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3916.34000000000014551915228366851806640625,"miPayment":0,"points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":102841.199999999997089616954326629638671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.125,"fico":742,"apr":5.125,"finalClosingCost":-458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3916.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.125,"monthlyPI":-3916.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363219.9099999999743886291980743408203125,"totalInterest":102824.550000000002910383045673370361328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3916.34000000000014551915228366851806640625},{"start":120,"end":120,"rate":5.125,"monthlyPI":-3915.739999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3899.09000000000014551915228366851806640625,"totalInterest":16.64999999999999857891452847979962825775146484375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3915.739999999999781721271574497222900390625}],"qualifyingRatePercent":5.125,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.125 (Points) x $367,119.00 (Loan Amount)","points":-0.125,"amount":-458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Checking rate: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}} against last selected rate: 4.99  
[2026-02-05 07:07:44] local.INFO: Selected rate for term 120: {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}  
[2026-02-05 07:07:44] local.INFO: Final selected rates for term 120: [{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]  
[2026-02-05 07:07:44] local.INFO: ----------------Filtered data--------------{"filteredData":[{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:44] local.INFO: ----------------result data--------------{"result":[{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.625,"fico":742,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":25,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":15,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.5,"fico":742,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":20,"baseRates":5.75,"fico":742,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.625,"fico":742,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":30,"baseRates":5.875,"fico":742,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":5.25,"fico":742,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363197,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3922,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}  
[2026-02-05 07:07:44] local.INFO: LRNST (Lower interest cost) - Lender Price API response received for LRNST {"response":{"Illuminate\\Support\\Collection":[{"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0.0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"baseRates":5.625,"fico":742.0,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0.0,"monthlyPayments":[{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.920000000000072759576141834259033203125},{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.239999999999781721271574497222900390625}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"baseRates":5.875,"fico":742.0,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0.0,"monthlyPayments":[{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2337.3800000000001091393642127513885498046875},{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2338.11000000000012732925824820995330810546875}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0.0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0.0,"monthlyPayments":[{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625},{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0.0,"monthlyPayments":[{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375},{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0.0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"baseRates":5.5,"fico":742.0,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0.0,"monthlyPayments":[{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2525.36000000000012732925824820995330810546875},{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2527.5500000000001818989403545856475830078125}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"baseRates":5.75,"fico":742.0,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0.0,"monthlyPayments":[{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2577.48000000000001818989403545856475830078125},{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2578.36000000000012732925824820995330810546875}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0.0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"baseRates":5.625,"fico":742.0,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0.0,"monthlyPayments":[{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2113.34000000000014551915228366851806640625},{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2117.03000000000020008883439004421234130859375}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0.0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"baseRates":5.875,"fico":742.0,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0.0,"monthlyPayments":[{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2171.65000000000009094947017729282379150390625},{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2169.09999999999990905052982270717620849609375}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0.0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0.0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},{"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0.0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0.0,"monthlyPayments":[{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875},{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}]}} 
[2026-02-05 07:07:44] local.INFO: Starting processApiResponseforLRNST {"user_id":1122,"property_id":1173,"remaining_term":179} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"25 YR FIXED","term":300,"rate":5.625,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2281.920000000000072759576141834259033203125,"miPayment":0.0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":317456.3200000000069849193096160888671875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"baseRates":5.625,"fico":742.0,"apr":5.676899999999999835154085303656756877899169921875,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2281.920000000000072759576141834259033203125,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":299,"rate":5.625,"monthlyPI":-2281.920000000000072759576141834259033203125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364848.400000000023283064365386962890625,"totalInterest":317445.6799999999930150806903839111328125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.920000000000072759576141834259033203125}},{"stdClass":{"start":300,"end":300,"rate":5.625,"monthlyPI":-2281.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2270.59999999999990905052982270717620849609375,"totalInterest":10.6400000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2281.239999999999781721271574497222900390625}}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":300} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"25 YR FIXED","term":300,"rate":5.875,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2337.3800000000001091393642127513885498046875,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":334095.7299999999813735485076904296875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":25,"baseRates":5.875,"fico":742.0,"apr":5.875,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 25 YR FIXED","productName":"25 YR FIXED","monthlyTotal":2337.3800000000001091393642127513885498046875,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":299,"rate":5.875,"monthlyPI":-2337.3800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364792.28000000002793967723846435546875,"totalInterest":334084.3400000000256113708019256591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2337.3800000000001091393642127513885498046875}},{"stdClass":{"start":300,"end":300,"rate":5.875,"monthlyPI":-2338.11000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2326.71999999999979991116560995578765869140625,"totalInterest":11.3900000000000005684341886080801486968994140625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2338.11000000000012732925824820995330810546875}}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":300} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"15 YR FIXED","term":180,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2901.239999999999781721271574497222900390625,"miPayment":0.0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":155104.60000000000582076609134674072265625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.047100000000000363797880709171295166015625,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2901.239999999999781721271574497222900390625,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":179,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.239999999999781721271574497222900390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364229.380000000004656612873077392578125,"totalInterest":155092.57999999998719431459903717041015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.239999999999781721271574497222900390625}},{"stdClass":{"start":180,"end":180,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-2901.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2889.6199999999998908606357872486114501953125,"totalInterest":12.019999999999999573674358543939888477325439453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2901.63999999999987267074175179004669189453125}}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":180} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"15 YR FIXED","term":180,"rate":5.25,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":2951.19000000000005456968210637569427490234375,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":164094.64999999999417923390865325927734375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":15,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 15 YR FIXED","productName":"15 YR FIXED","monthlyTotal":2951.19000000000005456968210637569427490234375,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":179,"rate":5.25,"monthlyPI":-2951.19000000000005456968210637569427490234375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364181.2100000000209547579288482666015625,"totalInterest":164081.7999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2951.19000000000005456968210637569427490234375}},{"stdClass":{"start":180,"end":180,"rate":5.25,"monthlyPI":-2950.63999999999987267074175179004669189453125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2937.7899999999999636202119290828704833984375,"totalInterest":12.8499999999999996447286321199499070644378662109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2950.63999999999987267074175179004669189453125}}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":180} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"20yr Fixed - Bal > 300k","term":240,"rate":5.5,"closingCosts":1835.59999999999990905052982270717620849609375,"adjustedPoints":0.5,"adjustmentPoints":-1.6270000000000000017763568394002504646778106689453125,"monthlyPayment":2525.36000000000012732925824820995330810546875,"miPayment":0.0,"points":0.5,"amount":1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":238969.58999999999650754034519195556640625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"baseRates":5.5,"fico":742.0,"apr":5.561099999999999710098563809879124164581298828125,"finalClosingCost":1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA 20yr Fixed - Bal > 300k","productName":"20yr Fixed - Bal > 300k","monthlyTotal":2525.36000000000012732925824820995330810546875,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":239,"rate":5.5,"monthlyPI":-2525.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364602.9799999999813735485076904296875,"totalInterest":238958.0599999999976716935634613037109375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2525.36000000000012732925824820995330810546875}},{"stdClass":{"start":240,"end":240,"rate":5.5,"monthlyPI":-2527.5500000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2516.01999999999998181010596454143524169921875,"totalInterest":11.5299999999999993605115378159098327159881591796875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2527.5500000000001818989403545856475830078125}}],"qualifyingRatePercent":5.5,"startedAdjustedRate":5.625,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.500 (Points) x $367,119.00 (Loan Amount)","points":0.5,"amount":1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":240} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"20 YR FIXED","term":240,"rate":5.75,"closingCosts":-1376.700000000000045474735088646411895751953125,"adjustedPoints":-0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2577.48000000000001818989403545856475830078125,"miPayment":0.0,"points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":251477.07999999998719431459903717041015625,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":20,"baseRates":5.75,"fico":742.0,"apr":5.75,"finalClosingCost":-1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FHLMC Standard Agency 20 YR FIXED","productName":"20 YR FIXED","monthlyTotal":2577.48000000000001818989403545856475830078125,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":239,"rate":5.75,"monthlyPI":-2577.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364552.9400000000023283064365386962890625,"totalInterest":251464.77999999999883584678173065185546875,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2577.48000000000001818989403545856475830078125}},{"stdClass":{"start":240,"end":240,"rate":5.75,"monthlyPI":-2578.36000000000012732925824820995330810546875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2566.05999999999994543031789362430572509765625,"totalInterest":12.300000000000000710542735760100185871124267578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2578.36000000000012732925824820995330810546875}}],"qualifyingRatePercent":5.75,"startedAdjustedRate":5.75,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.375 (Points) x $367,119.00 (Loan Amount)","points":-0.375,"amount":-1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":240} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"30 YR FIXED","term":360,"rate":5.625,"closingCosts":1376.700000000000045474735088646411895751953125,"adjustedPoints":0.375,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2113.34000000000014551915228366851806640625,"miPayment":0.0,"points":0.375,"amount":1376.700000000000045474735088646411895751953125,"totalPrincipal":367119.0,"totalInterest":393687.0900000000256113708019256591796875,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"baseRates":5.625,"fico":742.0,"apr":5.6592999999999999971578290569595992565155029296875,"finalClosingCost":1376.700000000000045474735088646411895751953125,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2113.34000000000014551915228366851806640625,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":359,"rate":5.625,"monthlyPI":-2113.34000000000014551915228366851806640625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-365011.849999999976716935634613037109375,"totalInterest":393677.2100000000209547579288482666015625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2113.34000000000014551915228366851806640625}},{"stdClass":{"start":360,"end":360,"rate":5.625,"monthlyPI":-2117.03000000000020008883439004421234130859375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2107.15000000000009094947017729282379150390625,"totalInterest":9.8800000000000007815970093361102044582366943359375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2117.03000000000020008883439004421234130859375}}],"qualifyingRatePercent":5.625,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.375 (Points) x $367,119.00 (Loan Amount)","points":0.375,"amount":1376.700000000000045474735088646411895751953125,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":360} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"30 YR FIXED","term":360,"rate":5.875,"closingCosts":-1835.59999999999990905052982270717620849609375,"adjustedPoints":-0.5,"adjustmentPoints":-2.20000000000000017763568394002504646778106689453125,"monthlyPayment":2171.65000000000009094947017729282379150390625,"miPayment":0.0,"points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"totalPrincipal":367119.0,"totalInterest":414672.4500000000116415321826934814453125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":30,"baseRates":5.875,"fico":742.0,"apr":5.875,"finalClosingCost":-1835.59999999999990905052982270717620849609375,"pmiType":"None","programName":"FNMA Standard Agency 30 YR FIXED","productName":"30 YR FIXED","monthlyTotal":2171.65000000000009094947017729282379150390625,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":359,"rate":5.875,"monthlyPI":-2171.65000000000009094947017729282379150390625,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-364960.46999999997206032276153564453125,"totalInterest":414661.880000000004656612873077392578125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2171.65000000000009094947017729282379150390625}},{"stdClass":{"start":360,"end":360,"rate":5.875,"monthlyPI":-2169.09999999999990905052982270717620849609375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-2158.53000000000020008883439004421234130859375,"totalInterest":10.57000000000000028421709430404007434844970703125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-2169.09999999999990905052982270717620849609375}}],"qualifyingRatePercent":5.875,"startedAdjustedRate":5.875,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.500 (Points) x $367,119.00 (Loan Amount)","points":-0.5,"amount":-1835.59999999999990905052982270717620849609375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Skipping response: Remaining term is not greater than new term {"remaining_term":179,"api_term":360} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0.0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119.0,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742.0,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.07000000000016370904631912708282470703125}},{"stdClass":{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3892.48000000000001818989403545856475830078125}}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Calculated financials {"current_loan_balance":367119.0,"current_monthly_payment":3285.0} 
[2026-02-05 07:07:44] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":120966.0,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":99930.0} 
[2026-02-05 07:07:44] local.INFO: Storing alert for lower rate, not same term {"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":120} 
[2026-02-05 07:07:44] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":179,"alert_type":"lower_rate_not_same_term"} 
[2026-02-05 07:07:44] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":120966.0,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":99929.8099999999976716935634613037109375} 
[2026-02-05 07:07:44] local.INFO: Total Savings Calculation {"proposed_interest_cost":99929.400000000023283064365386962890625,"total_saving":120966.599999999976716935634613037109375} 
[2026-02-05 07:07:44] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:44] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert margin- 3671.19  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert cost_or_credit- 5625.09  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert cost_or_credit- 5625.09  
[2026-02-05 07:07:44] local.INFO: Storing alert for user {"user_id":1122,"new_rate":4.9900000000000002131628207280300557613372802734375,"new_term":120} 
[2026-02-05 07:07:44] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-02-05 07:07:44] local.INFO: Processing API response {"product":"10 YR FIXED","term":120,"rate":5.25,"closingCosts":-917.799999999999954525264911353588104248046875,"adjustedPoints":-0.25,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3938.8800000000001091393642127513885498046875,"miPayment":0.0,"points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"totalPrincipal":367119.0,"totalInterest":105546.880000000004656612873077392578125,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119.0,"term":10,"baseRates":5.25,"fico":742.0,"apr":5.25,"finalClosingCost":-917.799999999999954525264911353588104248046875,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3938.8800000000001091393642127513885498046875,"mi":0.0,"monthlyPayments":[{"stdClass":{"start":1,"end":119,"rate":5.25,"monthlyPI":-3938.8800000000001091393642127513885498046875,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-363197.0,"totalInterest":105529.72000000000116415321826934814453125,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3938.8800000000001091393642127513885498046875}},{"stdClass":{"start":120,"end":120,"rate":5.25,"monthlyPI":-3939.15999999999985448084771633148193359375,"buyDown":0.0,"buyDownRate":0.0,"totalBuyDown":0.0,"totalPrincipal":-3922.0,"totalInterest":17.160000000000000142108547152020037174224853515625,"propertyTaxes":0.0,"homeOwnerInsurance":0.0,"mi":0.0,"rent":0.0,"otherExpenses":0.0,"rentalPropertyCashFlowAmount":0.0,"total":-3939.15999999999985448084771633148193359375}}],"qualifyingRatePercent":5.25,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"stdClass":{"line":"","description":"Origination : -0.250 (Points) x $367,119.00 (Loan Amount)","points":-0.25,"amount":-917.799999999999954525264911353588104248046875,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}}]}} 
[2026-02-05 07:07:44] local.INFO: Calculated financials {"current_loan_balance":367119.0,"current_monthly_payment":3285.0} 
[2026-02-05 07:07:44] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":115349.0,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":105547.0} 
[2026-02-05 07:07:44] local.INFO: Storing alert for lower rate, not same term {"new_rate":5.25,"new_term":120} 
[2026-02-05 07:07:44] local.INFO: Starting storeAlert {"user_id":1122,"property_id":1173,"remaining_term":179,"alert_type":"lower_rate_not_same_term"} 
[2026-02-05 07:07:44] local.INFO: Interest Savings Calculation {"property_id":null,"interest_savings":115349.0,"current_monthly_payment":3285.0,"remainingTerm":179,"current_loan_balance":367119.0,"old_interest":220896.0,"new_interest":105546.880000000004656612873077392578125} 
[2026-02-05 07:07:44] local.INFO: Total Savings Calculation {"proposed_interest_cost":105546.6000000000349245965480804443359375,"total_saving":115349.3999999999650754034519195556640625} 
[2026-02-05 07:07:44] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119  
[2026-02-05 07:07:44] local.INFO:  ---------------- calculateMargin officer ID- 40----for loan amount - 367119, onePercent - 3671.19  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert margin- 3671.19  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert cost_or_credit- 4248.39  
[2026-02-05 07:07:44] local.INFO:  ---------------- in store alert cost_or_credit- 4248.39  
[2026-02-05 07:07:44] local.INFO: Storing alert for user {"user_id":1122,"new_rate":5.25,"new_term":120} 
[2026-02-05 07:07:44] local.INFO: Successfully stored alert {"user_id":1122} 
[2026-02-05 07:07:44] local.INFO: Sending alert notification to borrower {"user_id":1122} 
[2026-02-05 07:07:44] local.INFO: Processing alert notification for borrower {"alert_type":"lower_rate_not_same_term","mortgage_id":791,"user_id":1122} 
[2026-02-05 07:07:44] local.INFO: LoanOfficerOpportunityAlert: base email payload built {"alert_type":"lower_rate_not_same_term","user_id":1122,"property_id":1173,"available_keys":["address","city","zipcode","current_loan_balance","current_monthly_payment","future_monthly_payment","REMAINING_TERM","interest_remaining_on_current_loan","interest_to_be_paid_for_new_loan","interest_saving","emi_monthly_saving","annual_purchase_rate","api_response","mortgageTypes","loan_type","mdata","property_id","property_name","other_info","mortgage_info","current_estimated_home_value","property_type","occupancy"],"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":3892.07000000000016370904631912708282470703125,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":99929.8099999999976716935634613037109375,"interest_saving":120966.1900000000023283064365386962890625,"emi_monthly_saving":-274.07000000000016370904631912708282470703125,"annual_purchase_rate":5.09749178227342714109227017615921795368194580078125,"api_response":{"stdClass":{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":3892.07000000000016370904631912708282470703125,"proposed_mortgage_payment_lifetime":467048.400000000023283064365386962890625,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":45000,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":120,"proposed_one_time_closing_cost":458.8999999999999772626324556767940521240234375,"proposed_interest_cost":99929.400000000023283064365386962890625,"total_saving":120966.599999999976716935634613037109375,"cost_or_credit":5625.09000000000014551915228366851806640625}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":3892.07000000000016370904631912708282470703125,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":99929.8099999999976716935634613037109375,"interest_saving":120966.1900000000023283064365386962890625,"emi_monthly_saving":-274.07000000000016370904631912708282470703125,"annual_purchase_rate":5.09749178227342714109227017615921795368194580078125,"api_response":{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":3892.07000000000016370904631912708282470703125,"proposed_mortgage_payment_lifetime":467048.400000000023283064365386962890625,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":45000,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":120,"proposed_one_time_closing_cost":458.8999999999999772626324556767940521240234375,"proposed_interest_cost":99929.400000000023283064365386962890625,"total_saving":120966.599999999976716935634613037109375,"cost_or_credit":5625.09000000000014551915228366851806640625},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"}} 
[2026-02-05 07:07:44] local.INFO: Check for Apply now out when Loan Officer exists {"alert_type":"lower_rate_not_same_term","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"} 
[2026-02-05 07:07:44] local.INFO: LoanOfficerOpportunityAlert: final payload before sending email {"alert_type":"lower_rate_not_same_term","loan_officer_email":"guna@birbals.com","user_id":1122,"property_id":1173,"emailmdata":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":3892.07000000000016370904631912708282470703125,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":99929.8099999999976716935634613037109375,"interest_saving":120966.1900000000023283064365386962890625,"emi_monthly_saving":-274.07000000000016370904631912708282470703125,"annual_purchase_rate":5.09749178227342714109227017615921795368194580078125,"api_response":{"stdClass":{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"stdClass":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":3892.07000000000016370904631912708282470703125,"proposed_mortgage_payment_lifetime":467048.400000000023283064365386962890625,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":45000,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":120,"proposed_one_time_closing_cost":458.8999999999999772626324556767940521240234375,"proposed_interest_cost":99929.400000000023283064365386962890625,"total_saving":120966.599999999976716935634613037109375,"cost_or_credit":5625.09000000000014551915228366851806640625}},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083","other_info":{"stdClass":{"address":"5410 W Straight Arrow Ln","city":"Phoenix","zipcode":"85083","current_loan_balance":367119,"current_monthly_payment":3285,"future_monthly_payment":3892.07000000000016370904631912708282470703125,"REMAINING_TERM":179,"interest_remaining_on_current_loan":220896,"interest_to_be_paid_for_new_loan":99929.8099999999976716935634613037109375,"interest_saving":120966.1900000000023283064365386962890625,"emi_monthly_saving":-274.07000000000016370904631912708282470703125,"annual_purchase_rate":5.09749178227342714109227017615921795368194580078125,"api_response":{"product":"10 YR FIXED","term":120,"rate":4.9900000000000002131628207280300557613372802734375,"closingCosts":458.8999999999999772626324556767940521240234375,"adjustedPoints":0.125,"adjustmentPoints":-1.9499999999999999555910790149937383830547332763671875,"monthlyPayment":3892.07000000000016370904631912708282470703125,"miPayment":0,"points":0.125,"amount":458.8999999999999772626324556767940521240234375,"totalPrincipal":367119,"totalInterest":99929.8099999999976716935634613037109375,"lender_price":{"mortgageType":"Conventional","loanPurpose":"Refinance","loanAmount":367119,"term":10,"baseRates":4.9900000000000002131628207280300557613372802734375,"fico":742,"apr":5.01710000000000011510792319313623011112213134765625,"finalClosingCost":458.8999999999999772626324556767940521240234375,"pmiType":"None","programName":"FHLMC Standard Agency 10 YR FIXED","productName":"10 YR FIXED","monthlyTotal":3892.07000000000016370904631912708282470703125,"mi":0,"monthlyPayments":[{"start":1,"end":119,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.07000000000016370904631912708282470703125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-363242.640000000013969838619232177734375,"totalInterest":99913.6900000000023283064365386962890625,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.07000000000016370904631912708282470703125},{"start":120,"end":120,"rate":4.9900000000000002131628207280300557613372802734375,"monthlyPI":-3892.48000000000001818989403545856475830078125,"buyDown":0,"buyDownRate":0,"totalBuyDown":0,"totalPrincipal":-3876.36000000000012732925824820995330810546875,"totalInterest":16.120000000000000994759830064140260219573974609375,"propertyTaxes":0,"homeOwnerInsurance":0,"mi":0,"rent":0,"otherExpenses":0,"rentalPropertyCashFlowAmount":0,"total":-3892.48000000000001818989403545856475830078125}],"qualifyingRatePercent":4.9900000000000002131628207280300557613372802734375,"startedAdjustedRate":5.125,"borrowerPaidDetails":[{"line":"","description":"Origination : 0.125 (Points) x $367,119.00 (Loan Amount)","points":0.125,"amount":458.8999999999999772626324556767940521240234375,"type":"Origination","aprRelated":false,"nbrPayments":1,"code":null,"name":null,"payeeName":null,"mismoName":null,"additionalDetail":null,"paidTo":null,"borrowDidShopForIndicator":null,"borrowCanShopForIndicator":null,"isDiscount":false,"isOrigination":true,"external":false,"includeInQmCriteria":false,"premiumRate":false,"discountedRate":false,"tax":false,"insurance":false}]}},"mortgageTypes":"FHA","loan_type":"Fixed","mdata":{"current_mortgage_payment_monthly":3285,"current_mortgage_payment_lifetime":588015,"current_monthly_payment":3285,"current_loan_balance":367119,"original_loan_balance":500000,"current_mortgage_insurance_payment_monthly":333,"current_mortgage_insurance_payment_lifetime":59607,"current_property_tax":3300,"current_property_tax_monthly":375,"current_property_tax_lifetime":67125,"current_interest_rate":6.875,"loan_term":"360","term_remaining":179,"interest_remaining_on_current_loan":220896,"proposed_mortgage_payment_monthly":3892.07000000000016370904631912708282470703125,"proposed_mortgage_payment_lifetime":467048.400000000023283064365386962890625,"proposed_property_tax":4500,"proposed_property_tax_monthly":375,"proposed_property_tax_lifetime":45000,"proposed_mortgage_insurance_payment_monthly":0,"proposed_mortgage_insurance_payment_lifetime":0,"proposed_interest_rate":4.9900000000000002131628207280300557613372802734375,"proposed_term":120,"proposed_one_time_closing_cost":458.8999999999999772626324556767940521240234375,"proposed_interest_cost":99929.400000000023283064365386962890625,"total_saving":120966.599999999976716935634613037109375,"cost_or_credit":5625.09000000000014551915228366851806640625},"property_id":1173,"property_name":"5410 W Straight Arrow Ln, Phoenix, 85083"}},"mortgage_info":{"App\\Models\\MortgageInformation":{"id":791,"property_id":1173,"user_id":1122,"current_interest_rate":6.875,"current_loan_balance":400000.0,"loan_term":"360","loan_program":"FHA","loan_type":"Fixed","original_loan_balance":500000.0,"pmi":"Y","mortgage_start_date":"2011-01","monthly_pmi_payment":"333.00","estimated_credit_score":742.0,"mortgage_statement":null,"created_at":"2025-10-06T08:40:56.000000Z","updated_at":"2026-01-19T09:56:42.000000Z"}},"current_estimated_home_value":7000000.0,"property_type":"Townhome (PUD)","occupancy":"Primary"},"loanOfficerData":{"email":"guna@birbals.com","name":"Sal Ali","mobile":"9723323395","nmls_number":"1445294","apply_now":"https://app.instamortgage.com/app/signup/p/instamortgage/b/TXVA/salali"}} 
[2026-02-05 07:07:44] local.INFO: Generating unsubscribe link. {"user_id":1122,"route":"unsubscribe.refinance","expire_in_minutes":60} 
[2026-02-05 07:07:44] local.INFO: Checking existing token age. {"token_age_minutes":0,"should_generate_new_token":false} 
[2026-02-05 07:07:44] local.INFO: Reusing existing unsubscribe token. {"existing_token":"af3e9ffe-ce75-4a2b-82d6-3aa70e660467"} 
[2026-02-05 07:07:44] local.INFO: Signed unsubscribe URL generated. {"url":"https://new-instarefi.xlnc.info/unsubscribe/refinance-alerts?expires=1770278864&token=af3e9ffe-ce75-4a2b-82d6-3aa70e660467&user=eyJpdiI6ImRvNk1aTjJ0OTdSL1B1cVBvS0hsV0E9PSIsInZhbHVlIjoiK0JaeWdjRXNmUU9kMWVPd3pZbzRRdz09IiwibWFjIjoiNzI0OGFhYjAxYzlmZjg1NGFkMjk0ZGViZTU4NWNjNTFlZjYxYTYxMzUzMTNjNThmZWZlZjE2ZGViN2NiZDFlZiIsInRhZyI6IiJ9&signature=e0da56e15c6076a9860dfef8cf5c6b76823d0315462b5b51ceca6cceb6dad6da"} 
[2026-02-05 07:07:45] local.INFO: Updated opportunity alert email count {"date":"2026-02-05","alert_type":"lower_rate_not_same_term"} 
[2026-02-05 07:07:45] local.INFO: Completed processApiResponseforLRNST {"user_id":1122} 
[2026-02-05 07:07:45] local.INFO: LRNST (Lower interest cost) - Completed lowerRateNotSameTermAlerts process